davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OR)

Called amex XX/XX/23 - Asked for late fee {$29.00} to be waived due to their application updates removing username/password/notifications Asked amex XX/XX/23- were XXXX waived- mailed billing statement versus email - manager said they would investigate Asked amex XX/XX/23- were XXXX waived - agent said was not investigated, no way to follow up, no way to guarante follow up Asked amex XX/XX/23- is this a sudden policy change - amex says yes we no longer waive first time fees Asked amex XX/XX/23 - {$29.00} fee on {$88.00} in purchase is 33 % fee - excessive junk fee that Biden is fighting against XXXX can a manager waive the fee Asked amex XX/XX/23- why no notification, why no paper statement in compliance with XXXX protections- agent says she will file a complaint
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I've disputed my Bankruptcy XXXX Transunion claimed it was Verified by the Courthouse. How? Seeing as the Courthouse doesn't supply this Information ( See Attached Letter ). There is no way possible that you verified this when XXXX & the courthouse confirmed that's inaccurate
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is listed on my credit report. I have never had a joint account with XXXX XXXX. We were married with separate names - separate lines of credit in everything. He passed away 2008 XX/XX/XXXX - I never took on his name nor shared a credit line with him. Please remove from my credit report. XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As of XX/XX/XXXX, I paid the balance of the loan in FULL. 

As of XX/XX/XXXX this credit is reporting a balance of {$1200.00}, which is false. 

XX/XX/XXXX, I submitted a disputed directly to the creditor stating the balance reported was incorrect... These fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. 

I called spoked to a XXXX XXXX, who was rude and condescending stating the loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. The last time my credit report was updated was XX/XX/XXXX, where the balance was {$670.00}. 

Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is listed on my credit report. I have never had a joint account with XXXX XXXX. We were married with separate names - separate lines of credit in everything. He passed away 2008 XX/XX/XXXX - I never took on his name nor shared a credit line with him. Please remove from my credit report. XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-06-18
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. (NE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I looked back at my Credit report back on XXXX, XXXX XXXX, and noticed somethings are incomplete or are inaccurate. According to fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This Account XXXX XXXX I do not recognize at all. 

[ XXXX XXXX XXXX ] is inaccurate information and I do not recognize this charge off. Date last active, date of last payment isnt correct. Account isnt correct.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

I have had the same conventional adjustable rate mortgage since XX/XX/XXXX. It started out with XXXX   was transferred to XXXX, then XXXX, and then the loan servicing to Loancare. My interest and principal payments adjust every XX/XX/XXXX. 

Loancare illegally accelerated repayment of the principal when it calculated my yearly arm adjustment and applied it to the XX/XX/XXXXloan payment. The on-line amortization schedule shows that the principal payments were calculated out to the year XX/XX/XXXXinstead of XX/XX/XXXX. [ Attachment-1. ] On XX/XX/XXXX I contacted customer service by phone and I was told that I should not make a payment until customer service corrected the discrepancy. I was told to email XXXX. That same day I sent an email. [ Attachments 2. ] On XX/XX/XXXX I was assigned Ticket No. XXXX and received two responsive emails and attached statements. [ Attachments 3-6. ] On XX/XX/XXXX I called customer service and asked to speak to a supervisor and talked to Supervisor XXXX. He told me he would escalate resolution of my problem. 

XX/XX/XXXX I also wrote an email to customer service. [ Attachment-7. ] I complained that Loancare had reported to the credit agencies that I was 30 days late. [ Attachment -8. ] XX/XX/XXXX I called customer service again and spoke to XXXX and then Supervisor XXXX. Again I was advised that making a payment would not resolve the problem, that the money would be put in a suspended account. I was promised by XXXX that she would escalate resolution of my problem and to give her three days. 

It is XX/XX/XXXX and nothing has changed. My amortization schedule is the same. My payment is doubled. I started working with a mortgage broker to try to refinance my mortgage loan but my credit report has to be corrected. The credit reporting affects my ability to get a job, the cost of insurance, and my ability to get loans. Today I wrote a letter to LoanCare Loss Mitigation, attached hereto and am filing this complaint because customer service has not resolved the problem as promised.
Consumer complaint received 2023-10-25
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (SC)

I requested an investigation from Experian on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XXXX/XXXX I this investigation I requested the validation of the following accounts. 

1. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXX XXXX  Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
XXXX. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
XXXX. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX XXXX XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
XXXX. As I stated in my last letter please validate this account belongs to me by providing an original document bearing my signature. 
XXXX XXXX XXXX Account Number : XXXX If you are unable to validate this account belongs to me by providing an original document with my signature, please delete this account immediately. 

To this day, Experian has not provided any validating documents and the accounts are still reporting as they originally were. This is a violation of the FCRA
Consumer complaint received 2023-03-13
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year>, I requested Transunion, XXXX, and XXXX to update my personal information on my credit profile. 

Pursuant to the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX XXXX XXXX and all its subsections.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (OK)

I declare under penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC .
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to express my deep concern and frustration regarding the ongoing issues with late account openings, despite our repeated attempts to rectify these matters. The persistent occurrence of late accounts opening not only disrupts our operational efficiency but also reflects poorly on our organization 's commitment to providing timely and reliable service to our customers. I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that XXXX be contributing to the persistent delays. It is essential that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened in a timely manner and in accordance with regulatory requirements. Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by late accounts opening. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. Consequently, I am formally asking for these accounts to be blocked and removed from my report. It is important to clarify that this request is not due to any mistake or negligence on my part, but rather because I did not explicitly authorize the inclusion of these transactions in my report.
Consumer complaint received 2024-06-18
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)

XXXX XXXX XXXX XXXX has failed to provide documentation of the car dealership called XXXX. XXXX XXXX XXXX that XXXX spoke with on XXXX and XXXX without my consent. The auto loan transaction was a fraud transaction from the beginning. XXXX XXXX XXXX  failed to check the VIN report. Failed to check the correct car value of the vehicle that was price at XXXX not XXXX. XXXX XXXX XXXX XXXX is putting a car that belong to another customer as my responsibility. The customer brought the car from the correct car dealership called XXXX XXXX XXXX with the title of the car. XXXX XXXX XXXX XXXX is falsely reporting the auto loan account has passed due for XXXX, XXXX as of XX/XX/year>. XXXX XXXX is aware the car belongs to someone else. Management is aware of the car dealship stating the car was sold to another customer. Refusing to clear the balance on a close account that is negatively impacting my XXXX XXXX. There should no balance on this auto loan this is fraud. 
This is due to XXXX XXXX XXXX negligence the transaction is a fraud business exchange. Dispute auto loan and fraud payment history from my credit report. XXXX XXXX is charging me interest on my credit card as of XX/XX/year> XXXX has taken {$520.00} from my credit credit to pay the auto loan that is a close account. This is fraud, and theft and false information. I want my reimbursement for my credit card this is retaliation against a customer.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-18
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. (TX)

This is my XXXX Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are require to removethese items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX BANK XXXX Balance {$460.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX