davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC (FL)

I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint against TransUnion for its refusal to conduct an investigation into inaccurate items on my credit report, despite repeated requests and provision of necessary documentation. 

On XX/XX/year>, I sent a dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took care to include a copy of my photo ID, social security card, and a recent bill with my current address to facilitate TransUnion 's verification of my identity and address. Despite these efforts, TransUnion refused to conduct an investigation into the disputed items. 

Subsequently, I received a response from TransUnion dated XX/XX/year>, which stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is concerning as it fails to address the substance of my dispute and disregards the evidence provided. 

In an attempt to resolve my concern, I sent another dispute letter dated XX/XX/year>, to TransUnion. However, I have not received any response from them. I am including a copy of my dispute letter sent to TransUnion, along with XXXX response, as proof of my efforts to resolve this matter. 

TransUnion 's refusal to conduct an investigation into the disputed items on my credit report is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit bureaus are required to investigate disputed items upon receipt of a valid dispute from the consumer. TransUnion 's failure to fulfill this obligation is unacceptable.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: T.S. Holdings (MD)

Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

On XX/XX/XXXX, I paid off an entire federal student loan in full via Nelnet 's website ( {$2000.00} USD ). I immediately got an email from Nelnet that they received the payment. On XX/XX/XXXX, the transaction posted to my bank account. I was tracking the payment for around 3-5 business days ( checking daily, multiple times a day ) excited that I paid off a sizable amount. I found it odd that the amount I paid stayed in " Processing '' on Nelnet 's website when the payment already posted to my bank account the day after I made the payment. 

Sometime during the 3-5 days, I logged in and the transaction was nowhere to be seen on the site. I called the next day. The first person I talked to had no idea what I was talking about, it was almost as if I was being gaslit that I hadn't made a payment. I asked to be escalated and the next person knew exactly what I was talking about, somehow saw the payment, and submitted a request to have my balance be updated. I was told the update to my balance would take 2-4 days. 4 days pass and I call again. They tell me it will be an additional week. It has been 6 days. There has been no communication from Nelnet and no updates to my balance. I am frustrated that the next time they will tell me it will be another week or they " don't know '' why it's not processing AGAIN. I paid well in advance to avoid interest payments and yet we are approaching the beginning of interest kicking back in.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Good afternoon, first of all thank you for your time. 
you see I have fully paid 2 cars, currently paying another two vehicles, I have paid loans over XXXX and Im very responsible with my payments, I had a Exeptional payment history until now. 
on XX/XX/XXXX I returned an item using my Nordstdrom credit card, I was not informed by the nordstrom employee at the time on the retunning that there was a balance to be paid for this transaction, I did not received a reciept ( the store was about to close ) and when I ask. Is that it? refering to the transaction, the employee responded " you are good '' and I left with out a reciept. 
Since I had recently openned that account it was clear to me that that was the last transaction for this credit card. months later on XXXX I opened my experian account and I noticed that Nordstrom had flaged me as late payment, I called them, paid the balance of {$27.00} dollars and informed them that I did not received any type of notification regarding this balance and that I was not aware of this, the same day I open a dispute to remove this past due balance from my credit record since its affecting the opportunity of buying my first house, I truly believed that Nordstrom has some responsability for this late payment, they shoud provide a better traning to their staff members, and have to notity their customers when they are late on their payments. 
I wound never put my credit score on the line for XXXX dlrs, and I would be happy and continue to use their credit card if they can remove that from my record.
Consumer complaint received 2023-07-18
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. (IN)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-24
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I TRIED CONTACTING THEM BT IT SEEMS LIKE THEY ARE BLOCKING AN UPDATED VERSION OF MY CREDIT REPORT AND SCORE FROM SEVERAL WEBSITES AS WELL AS THEIR OWN SO I CAN SEE UPDATED INFORMATION. IT SEEMS RETALIATORY SINCE I HAVE FILED COMPLAINTS FOR INCOREECT REPORTING IN THE PAST. 

it always says temporary issue and yur report is not available ( For 3 months know )
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-24
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day 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 2023-11-03
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: EQUIFAX, INC. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted XXXX  XXXX as well as Transunion and XXXX about the late payments on my credit report. Transunion has hung up in my face has declined assist me with a dispute over the phone told me that the dispute can only be mailed in and done online when it clearly states, it can be handled over the phone on their website when I informed them that I was going to file a complaint with the consumer protection federal Bureau, they stop assisting me and hung up multiple times. My report has been violated with the following laws. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

The capital one account that Im referring to is the account opened XX/XX/XXXX and XX/XX/XXXX. The only credit reporting agency that has updated my information properly as per request of XXXX  XXXX is XXXX. XXXX stated they submitted a case and ask Transunion has refused to assist me which is also in violation of 15 USC 1681 ai For not reporting accurate and complete information on my credit and improper use of my credit report
Consumer complaint received 2024-04-24
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-27
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. (FL)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX 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 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (OH)

XXXX. Our mortgage lender has been holding {$1800.00} monthly for escrow since XX/XX/2023, when our actual taxes are {$800.00} bi-annually. We notified them that their computation is wrong as it was an annual estimate from the loan processor who originated the loan but they have refused to adjust siting that they only adjust one annually which means we have to wait 12 months for them to correct the mistake. 

XXXX. They are violating RESPA, regulations which places a limit of XXXX XXXX of the annual amount. 

XXXX. They are causing in-due hardship on us even though we have told them of their mistake, they still refuse to assist their own customer. 

XXXX. I can provide all the necessary documents as proof.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 2024-04-24
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (PA)

Despite contacting them numerous times they will not give me direct access to my tax documents. I am a joint owner on the account which means I am just as responsible as my husband who is the primary joint owner. However, I have been told I need to contact my husband every time I need to access my tax documents. My husband does not like to go online for reasons related to reducing fraud. Regardless, I need to have access to my financial documents. 

In addition, I have sent multiple requests regarding updating our address from our previous house to the house we are paying the mortgage on. During the application process we did confirm this will be our primary address yet Axos keeps sending our statements to our old address. I have emailed them copies of our drivers ' licenses to confirm our address but they will not update the address. Yet again I am told that my husband will have to update the address online.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans Union continues to violate my comsumer rights by deleting and account off my credit file then the next time re insert the same information on my credit file witout my permission accoriding to FCRA section 605B it is illegal but they continue to violate my rights that i have proof they have done so in my letters and documents down below.
Consumer complaint received 2024-04-24
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (LA)

I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. Ally Financial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Second Credit check was done by XXXX XXXX