davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-21
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I submitted a complaint to Transunion requesting validation of debts and signed contracts relating to accounts being disputed on my credit report. Transunion responded with all accounts being verified with no information on how accounts were verified. I only recieved letters from of the accounts in question but those letters did not verify nor validate anything. 
XXXX XXXX XXXX - a bill was sent from XXXX XXXX XXXX XXXX XXXX as requested. 
XXXX. XXXX- sent a letter but it did not verify or validate anything. 
*I recieved nothing in regards to any other account in question
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WESTERN ALLIANCE BANCORPORATION (CA)

I re-applied for mortgage assistance applications for all three loans ( Loan # XXXX, XXXX, and XXXX ) with Western Alliance Bank ( WAB ) on XX/XX/XXXX. Nevertheless, during the process of application review, WAB reported to credit bureaus that the payments were late on XXXX, XXXX and XX/XX/XXXX for all three loans. I would like to have WAB to provide the chronological dates of the mortgage assistance application in XX/XX/XXXX, the decision date of mortgage application outcome, the credit reporting date and the payment made on the account by me as the mortgage account holder, and the statement of credit reporting during the process of mortgage assistance application. 

I applied for mortgage assistance applications for two loans ( Loan # XXXX and XXXX ) with XXXX XXXX XXXX on XX/XX/XXXX. The mortgage forbearance was approved for both loans and followed by loan modification. Nevertheless, during the review process, XXXX XXXX XXXX reported to credit bureaus for the late payment on both accounts on XXXX, XXXX and XX/XX/XXXX. I would like to have XXXX XXXX XXXX to provide the chronological dates of mortgage assistance application date, the decision date of mortgage application outcome, the credit reporting dates for both accounts, and the statement of credit reporting during the process of mortgage assistance application. 

I was approved for loan modification ( loan # XXXX ) with XXXX XXXX  in XX/XX/XXXX and the due date of the payment for the modified loan is not due till XX/XX/XXXX. Nevertheless, XXXX Bank reported the late payment in XXXX for XX/XX/XXXX. I would like to have XXXX XXXX  to provide the chronological dates of loan modification approval, document signing from both parties, the due date of the first payment on modified loan, and the statement of credit reporting during the process of loan modification.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mercury Financial Intermediate LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To Whom This May ConcernXXXX XXXX XXXX XXXXMERCURY I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( XXXX XXXX XXXX/MERCURY ) communicating with me through email/text/calls. I would also like to request the purchase agreement between XXXX XXXX XXXXMERCURY and the original creditor. Along with furnishing proof of license and bonded.

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may NOT communicate with a consumer in connection with the collection of any debt. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examination of my records, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago but have not received any response, nor has adequate validation been provided. I request your help in addressing this matter swiftly and efficiently.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Several months ago, HSBC notified credit agencies of an alleged unpaid $ XXXX on a credit card that was closed XXXX yrs. ago. The debt was allegedly incurred on the now closed credit card ( i.e., is roughly XXXX yrs. old ). HSBC admits that it never notified us of the alleged unpaid debt or otherwise sought collection from us. Our XXXX noticed of HSBC claim was a sudden precipitous drop in credit rating noticed when we recently applied for a HELOC. The only " ding '' on my credit report is HSBC 's claim. HSBC made its claim to XXXX XX/XX/2023. Following HSBC 's dispute process, HSBC promised to provide us evidence of the unpaid debt ( statement [ s ] ) but has not done so. Efforts to dispute the debt via XXXX 's process have been to no avail ; XXXX did not obtain any evidence of allegedly unpaid debt before closing the dispute.
Consumer complaint received 2024-07-16
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. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MT)

I opened my wells Fargo account in XXXX The qualifiers for " free '' or fee free account were to use your debit card XXXX  number of times a month. Long story short, I found out that they've been charging me fees here and there totaling well over XXXXXXXX XXXX When I first noticed a few months ago, I went to the branch, the manager ended up coming over and tried talking me into closing my account. That obviously set up red flags and what helped me make the decision to escalate this. I've also been affected by the ficticious accounts and believe that I was put into this account with these parameters and qualifiers that are drastically different than what I signed up for unknowingly. Not sure how else my account number changed around XXXX
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLIANT CREDIT UNION (AZ)

On or around XX/XX/year>, a friend transferred {$1000.00} into my Alliant account. I had recently had to pay {$5000.00} in XXXX bills for my dog and did not have money to cover my bills or live on. I immediately planned to send {$500.00} to my main bank account, which was overdrawn, and then use the remainder to pay any late bills and buy things like food. Thus, on XXXX XXXX, I tried to initiate a transfer from Alliant to my main bank account for {$500.00}. Unfortunately, I was only allowed to transfer {$250.00} a day. So, I planned two transfers of {$250.00} each to my primary account on consecutive days. 

A few days later, I learned from my primary bank that the second transfer of {$250.00} had never gone through. Thus, I checked my Alliant account and found XXXX of dollars in fraudulent billing from XXXX. I filed a dispute for the dozens of charges with XXXX, first, who summarily denied all claims without a day without any explanation. 

Thus, I then reported the fraud to my bank. I went over each and every charge with the Alliant customer service person and was promised that the card on which the charges would appear would be closed, and a new card was issued. I was also promised that the bank would immediately begin its investigation. I asked when I could expect any provisional credit. I have had this account for over five years and have never had a problem. I waited two weeks and never received a new card or provisional credit. I called the bank again at the end of XX/XX/year> and discovered that the account card HADN'T been closed, a new card was never re-issued, and none of my disputes had been reported. Thus, I had to report every claim AGAIN to a representative. The card eventually arrived, but as of the date of this complaint, XX/XX/year>, I have not received a dime in provisional credit, and my account doesn't even show any of these charges in dispute. They are not going to help me, and I need this money. I collect Social Security benefits and have no money to live on until my benefits come at the beginning of XX/XX/year>.
Consumer complaint received 2024-07-16
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)

I reviewed my Consumer Report and noticed that I had a late payment on an account that I was never late for 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 account : XXXX  XXXX. Account XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAND HOME FINANCIAL SERVICES (NJ)

Original I bought my home in XXXX with XXXX XXXX at a XXXX year fixed rate at XXXX % interest rate. Mortgage was sold in XXXX on XXXX to Land home financial, a private California mortgage corporation, that on their website states they're are licensed in New Jersey but don't have a licensing number-showing. In XX/XX/XXXX they wanted us to refinance at when I test rates were at XXXX %. They didn't take our mortgage payment from XXXX on. We got a real estate attorney, to fix situation. Which took a long time in court, with stress, people knocking on our doors offering to buy our house.Now I'm receiving tax default notices, I don't know if it's legal what they are doing. I need your help
Consumer complaint received 2024-07-02
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: CITIBANK, N.A. (NY)

On XX/XX/year> I signed up for a Financial Package for {$5000.00} On XXXX XXXX I tried calling the principle of the company with NO response. 
On XX/XX/XXXX I called Citi Bank Customer Service and asked to CANCEL and Reverse the charges. 
Citi temporarily reverse the charges, then recharge the Acct.a month later. 
For 13 months months I have been back and forth with CITI without any resolve. 
This has affected my CREDIT ; also CITI dropped my Credit Line from {$17000.00} to {$6100.00}.
Consumer complaint received 2024-07-31
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. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

In recent months, I discovered several inaccuracies and unauthorized inquiries on my credit report, which have negatively impacted my credit score and overall financial standing. Despite my attempts to resolve these issues, the inaccuracies persist. Below is a detailed description of the incidents : Personal Information Discrepancies : I noticed multiple errors in the personal information section of my credit report, including incorrect names, Social Security numbers, phone numbers, and addresses. This has led to a major delay in home purchasing and I am a XXXX XXXX veteran that is being taken advantage of by the inaccuracies of the credit bureaus and refusing to remove the info. 

While I was away I had my information compromised and this has led to a vicious cycle of public embarrassment, financial dependence and poor living.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (FL)

I purchased a truck from Carvana LLC online. After a few trips to the bank because they don't accept checks from companies, I had to get a personal check to pay in full - XX/XX/XXXX. They set up the delivery date of the car and cancelled 3 times, because there was a delay with the delivery - They charged almost {$2000.00} for this. XXXX weeks later, I got the car and the next day it got flooded through the roof/ back window after a day of rain. It was in such a bad state, that I returned the car on XX/XX/year> and they accepted it. They said within a few days they were going to send the money back. 
XXXX week later, I have not received any communication, they deleted the car info from the online account and after I reached out to them on XX/XX/XXXX, they said, there is no record of any transaction for this purchase. They said they will get back to me ( ops department ) and have not heard back from them. I don't have the car, I don't have the money, they are ignoring me. 
There is no loan, but I called CFPB and they asked me to use this option
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 
PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. 
XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (OK)

Kia Finance- car loan on my account should be taken off. 
Bought the car in XXXX only had it for 3 weeks- got into a car accident- someone rear ended me and my car was declared total loss. For that reason I never paid any of the payments etc. My insurance failed to pay what they needed to pay for the car- that is why its under an attorney case. They are still working on resolving it. 

This account should be taken off my credit report - its not a resemblance of my financial ability because I usually pay everything on time. This is hurting me when I go buy a car or a house