davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (SC)

I am filling a compliant today, with a heavy heart and a sense of urgency regarding the inaccuracies on my credit report. As a dedicated and responsible individual, I have always prided myself on maintaining my financial integrity. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

I received a new car loan on XX/XX/24, paperwork said first payment around XX/XX/24. I never received anything in the mail, no invoice or bill. On XX/XX/24 I called GM Financial and they said yes your payment is due today. I had to create an account and pay immediately, or it would of been late. I asked why I did not get anything in the mail and they said they would resolve, as of XX/XX/24 still no update as to why I am not receiving invoices.
Consumer complaint received 2023-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AL)

Amerihome mortgage loan # XXXX I made a payment that cleared on XX/XX/XXXX for {$420.00}. * This amount was more than the minimum {$400.00} payment* It was processed as a interest only pament. I contacted amerihome mortgage and they assured me it will be fixed very quickly. i waited 16 days. I have had a difficult time with them in the past, where I was being taxed in escrow - but I am exempt from taxes.That was from XX/XX/XXXX complaint. I never received credit towards principal or refund from that issue. So I was worried that they were going to report me for not making my XX/XX/XXXX payment I made another payment on XX/XX/XXXX in the amount of {$400.00}. Then I the received a letter stating my escrow account was going to have a shortage. I understand my homeowners insurance is going up {$130.00} a year, and my pmi is going down {$11.00} a year.I had two choices, either send in a escrow only payment for {$200.00} and my new payment would go up to $ XXXXOr I could also do nothing and my new monthly payment would be $ XXXXi called XXXX about this and was told no matter how much I paid extra into interest/insurance escrow only my payment would not be allowed to go back to the {$400.00} payment I struggled to get when they where collecting taxes ( which were never paid cause I do not pay taxes ) So paid online on XX/XX/XXXX $ XXXXToday is XX/XX/XXXX, there website, phone tree states I owe {$430.00} coming up first of XXXX. They have also reported to the credit bureaus that my home Loan actually increased {$170.00}, and that my minimum payment is not {$400.00} or {$410.00}, but {$430.00} this was reported to them after my XX/XX/XXXX payment of {$200.00}, I requested a new account analysis because the amounts of money in escrow seemed greater than what was stated in the letter .My payment due date is fast approaching for XXXX. I know understand why they first told me when I got the loan that I would receive a payment coupon book. They said no, I will not receive a payment coupon book.So they can change my payments.
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (MD)

I have been a customer of Self for over 6 years. I have had multiple credit builder accounts and have paid them off and received my payout each time. I just recently paid a credit builder account off in XXXX and received my payout with no problem. Earlier this month, I received e-mails asking me to verify my information so I had to send them a picture of my ID, a picture with me holding my social security card, my bank statement proving that my XXXXXXXX XXXX account was mine and I did all of that. I attempted to pay my Credit Builder off early on XXXX but the system would not allow me to until they verified my information. I received an e-mail from Self stating my information was verified on XX/XX/23 and I could then pay off my account. I was then able to pay off my credit builder account on XX/XX/23 with my final payments totaling {$2700.00}. I then received an e-mail on XX/XX/23 stating that they closed out my Credit Card and kept my {$3000.00} deposit because they " couldn't verify my identity '' but they just verified it on XX/XX/23. Then I received an e-mail saying that my payout from my Credit Builder account of {$3100.00} would be paid out to me on XX/XX/23. I never received my payout at all. I have called Self every day since and they keep saying its " under review '' but when I ask to speak to a supervisor or the review department, they literally act like they are putting someone on the phone and then hang up every single time. I am beyond frustrated. Not only did they close my credit card account, which is going to hurt my credit score, they kept my {$3000.00} deposit from my credit card AND now they won't even pay me my expected payout. I am beyond frustrated. Self keeps telling me they can't verify my social but they literally have a picture of me holding my social security card and everything. This is starting to feel like they are scamming me.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (SC)

On XX/XX/XXXX SoFi Bank temp restricted my account I called numerous of time finding out why my account was restricted but was not giving any answering only to keep checking your account and there is NO TIME FRAME when the restriction will be removed. Many reps states they reached out to their security team but do not get a response which is awkward. Many complaints was filed, and follow up and I never get an updated follow up. This seems like an ongoing issue with this bank as many other clients has had this issue in the past with no answers about their account or expected time frame. Its very frustrating when your livelihood is in this account and bills cant be paid or even expect a time frame from this Bank. I am facing evictions and still to this day I have not been giving a update or response.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-13
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. (MD)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-06-13
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. (ND)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-12
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX and XXXX AND XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code s 1681a- Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term " consumer report " does not include - does not include any report containing information solely as to transaction or experiences between the consumer and the person making the report 15 USC1666B ; A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for the purpose
Consumer complaint received 2024-06-13
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. (CA)

I wrote them and sent it certified mail about the information on my report was fraud. And them FCRA Case Decision 1681e ( b ) what is the standard for accuracy? I have never done business with them. I asked them to remove the errors on my report. To date, they have not removed these items because they are inaccurate and is harming my credit and my file.
Consumer complaint received 2024-06-13
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. (PA)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I communicated with the company of issues of making payment of mortgage also placed the mortgage under forbearance to stop and unauthorized reporting on my credit. 
I also paid my mortgage up to date once paid i became aware of late payments being applied I requested removal of these inconveniences but to no avail.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Disputed an account on XX/XX/2023 listed by XXXX XXXX for a debt amount of {$1200.00}. XXXX XXXX has also listed duplicates of the same account but with different balances. Requested an investigation and XXXX XXXX reports the debt as valid with no evidence of investigation. The Fair Debt Collection Practices Act states that debt collectors can not misrepresent : The amount of the debt as this creditor/debt collector has. Requests for explanation of their investigation has gone unanswered. I have experienced damage due to this erroneous listing on my credit report.
Consumer complaint received 2024-06-13
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. (LA)

My personal information was accessed by several unknown creditors with out my knowledge or authorization and this was done over a period of months. Once i found out my information was compromise in several data breaches i began requesting my reports and found out. I need assistance because the credit bureaus have yet to correct my reports
Consumer complaint received 2024-06-12
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account ( XXXX ) I am asking you to verify as accurate. Account ( XXXX ) account name : XXXX : account number : XXXX ; Account ( XXXX ) account name : XXXX account number : XXXX ; Account ( XXXX ) account name : XXXX account number : XXXX
Consumer complaint received 2023-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (MA)

Good Day I hope this letter finds you well. I am writing to request your attention in addressing a late payment that was reported to the credit bureaus by Truist Bank. The late payment occurred on or around XX/XX/2023 and was associated with my account, Lightstream Account XXXX. I understand the importance of maintaining a positive credit history and am committed to rectifying this matter by speaking with you. 

I would like to reference my previous communication and fully respect your commitment to ensuring your customers are fully understood. This was an isolated incident which was not my fault but it seems that all communication till this point has not experienced the expected empathic touch, especially in a business that deals with customers daily. 

I am reaching out to request a goodwill gesture from Truist Bank to have the late payment removed from my credit report as a current good-standing customer. It has to mean something to XXXX that there was an issue with the system somewhere that caused this isolated incident. Does this error by your system mandate a total destruction of my credit profile even as my account is being debited monthly? 

I kindly ask for your consideration in granting this request. The removal of this late payment from my credit report would greatly benefit my financial standing and provide me with an opportunity to rebuild my credit history. 

I kindly request that you review my account and, if possible, initiate the process to remove the late payment entry from my credit report. Your assistance in this matter would be greatly appreciated. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or if you need to discuss this request further. 

Thank you for your attention to this matter, and I look forward to a positive resolution. 

I really look forward to speaking with you sometime soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : 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 XXXXXX/XX/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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

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!