davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
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. (WA)

Hello, Somebody attempted to open a credit account with my details ( SSN, NAME, ADDRESS ). I had a hard inquiry done on my credit that's how I found out about this. XXXX sent me the notification that a hard inquiry was done. The fraudster tried opening the card with XXXX  XXXX bank. I called XXXX XXXX and they directed me to this website to report the fraud. They did cancel the card the fraudster tried to open and mentioned they will be investigating the fraud. They also provided me with resources on how to protect my identity. 

Below is the inquiry that was done HARD INQUIRY REPORT : ( XX/XX/XXXX TO XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA, XXXX PHONE NO : XXXX
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

I noticed on my credit report alerts from XXXX  that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

Discovery bank card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/. i never opened a discovery card this is fraud.
Consumer complaint received 2024-06-22
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. (SC)

I am submitting to credit Bureau 's today to formally request the investigation to the listed account in my credit profile which is appearing to be reporting inaccurate. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days. 
XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-10-26
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. (KY)

I XXXX XXXX consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insured that consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID and statement.
Consumer complaint received 2024-06-07
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-22
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. (SC)

I am writing to inform the credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. Here is the list of items that needs to be removed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX & XXXX XXXX Balance : {$760.00} XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
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. (PA)

RECENTLY . I DID AN INVESTIGATION ON MY CREDIT REPORT AND  FOUND ITEMS ON THERE TO BE   INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE  PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES .
 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (VA)

On XX/XX/2022 I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( parent company XXXX XXXX XXXX. ) to seek diagnosis and treatment for XXXX XXXX symptoms. I filled out two intake forms, one electronic and one paper where I highlighted that Im experiencing XXXX symptoms. 

I am then told by the receptionist to step outside and schedule a XXXX  call with the doctor for health precautions. During this 30 second call, the doctor informs me that the center does not test or treat for XXXX so they wont be able to help me. I left the center with the expectation that since no service was provided, I will not be billed. Surely, the receptionist should have simply informed me that the center does not treat XXXX upon reading my intake form hence not required that I take the XXXX call. To my surprise, I received a letter in the mail a few weeks later from them stating I owe them {$110.00} for the 30 second XXXX call. 

I called them to inform them that this was an erroneous bill since no service was rendered however the hospital dismissed my claim and insisted I pay through their repeated billing mails. 

After months of repeated billing mail, they decided to escalate collection of this predatory bill to debt collection agency, Kinum. To my suprise, Kinum is now adding interest on the bill amount to further intimidate me into paying this predatory bill. I am writing to the CFPB requesting cancellation of this bill because of predatory billing practices from XXXX XXXX XXXX. as well as predatory debt collection practices from Kinum.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-08
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

My bank ( XXXX XXXX XXXX ) accidentally submitted a dispute for a charge made to the Town of XXXXXXXX XXXX ( which uses Chase as their banking institution ) totally {$190.00} on XX/XX/XXXX which I had no record of in my account. I had called XXXX XXXX XXXX XX/XX/XXXX ( as I was advised to by the Town of XXXX ) XXXX for them to make sure that it was my card that had a disputed charge since my bank never received payment back from Chase for the dispute. Chase never sent the money back from the dispute ( which they should have done whether or not it was placed incorrectly and an accident on my bank 's side ). Because they never sent the money back to XXXX XXXX XXXX, there was no evidence of a dispute being done on this charge, and it took me until XX/XX/XXXX to find out an accident had happened on XXXX 's side. If Chase had sent the money back when the dispute was filed, it would have been obvious to me that I would need to pay the XXXX of XXXX, CO again. 

I would like to add that the only information Chase was really willing to provide me was that a charge back was issued to them on XX/XX/XXXX and that I needed to talk to my bank to find out more information. I was treated as if I was the worst customer experience that the customer service lady had, and like I was a complete waste of time. Any small question I had was answered with, " XXXX, you need to talk to your own bank about this, '' when I was asking questions that were specific to Chase/JP Morgan in this instance and not for Canvas Credit XXXX XXXX
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

I recently refinanced my home, and the subsequent loan was purchased by Lakeview Loan Servicing , LLC. They use " XXXX '' as a intermediary to electronically service their loans. The company - Lakeview / XXXX, are incredibly unresponsive, and the effort makes it difficult to set up electronic payments or receive any sort of customer service. It should be noted the company allows phone mortgage payments, for a fee of course ( how convenient ). 

Several phone calls for assistance in setting up my online account resulted in not being able to reach a live person ( I just went through menus and was hung up on - not able to reach a live person or leave a message ). Several emails to customer service have resulted in no follow up, after a period of 5 to 7 business days.
Consumer complaint received 2024-06-07
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-22
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AL)

In XX/XX/2022 Loandepot posted my wind insurance policy amount 2 times to my escrow account. They also posted an unidentified {$300.00} to the escrow account. This has caused a recalculation of my mortgage payment from {$1100.00} to {$1500.00}. The current payment is {$1400.00} which represents a 36 % increase due to Loandepot 's error, not mine. I can not afford to continue to pay the inflated amount which was caused by Loandepot. 

This has also caused my monthly extra principal payment to be posted to escrow instead of reducing my principal balance and interest paid since XX/XX/2022. 

I've called multiple times and was told they were correctly it, but today I had my autopayment returned and again, had to repay the increased amount to keep my mortgage in good standing. 

After 4 months of trying to get them to correct their own mistake, I'm reaching out to you in hopes that a complaint will force them to correct it.
Consumer complaint received 2024-06-07
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I noticed an ATM charge of {$2.00} on XX/XX/XXXX  for my savings. This warranted me to check any other transactions that occurred that I was not aware of. On XX/XX/XXXX  there was a ATM Withdrawal in the amount of {$260.00} from my checkings account. I filed a claim with Wells Fargo but they came to the consensus that they could not move any farther with the dispute as I am still in possession of the Debit Card that was used. I have now replaced that Debit Card with a new one. They recommended I file a police report. I have not been to the XXXX that the withdrawal was done at. I have provided the address and a picture of the XXXX as well as the charges that were done to my account that I placed the claim for. I went to a large concert the day before the withdrawal occurred. My only theory is someone somehow got my card information during that time and immediately pulled money out the following day. I hope you can shed light on this issue. I have now placed two different claims with Wells Fargo ( one on XX/XX/XXXX and another on XX/XX/XXXX when I realized they had closed my first claim but didn't notify me ). I believe it is still in Wells Fargo 's interest to help me with this dispute but I reached a dead-end with them.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-11-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (OH)

Thursday, XX/XX/2023. Connected to the online chat agent requesting to discuss the XXXX  Recovery Options available to me coming out of a XXXX Forbearance. The agent initially said that there were no XXXX recovery options available for my FHA mortgage XXXX After letting the agent know that I spoke with someone from HUD who specifically guided me in what to ask for regarding this matter they said that they would look into options, but that they still needed more information. I let them know that I was advised that they were obligated to review my options for coming out of forbearance without additional information aside from that I was not able to begin making my pre-forbearance payment again, and asked if that was not the case. They did not give an answer to this. I asked for a transcript of the chat and was told they could not provide one. It seems obvious that Rocket Mortgage is attempting to not adhere to HUD/FHA guidelines regarding XXXX Forbearance/Recovery options.