davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

XXXX TO XXXX : MACU was properly notified at the local branch at XXXX XXXX XXXX XXXX of my legal name change and address documentation including my current address which copies were given. I requested to have regular statements of the loan sent every month by mail. I havent got any mail with my new name otherwise the mail will be returned back to MACU. As the name change went to effect already with the post office. I am now receiving notifications of my loan being reported 30 days late with the credit reporting agencies. This is now the second occurrence of requesting on time statements and mail not being delivered. Please remove the late reporting from the credit reporting agencies as a courtesy for the error on the bank for failing to send proper notices and statements to my mailing address with my current name and send my mailing statements as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX, UT XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-29
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. (TX)

I filed a dispute thru Equifax on XX/XX/XXXX on a XXXX XXXX account for late payments. The dispute was closed on XX/XX/XXXX and Equifax is still reporting a late payment for XX/XX/XXXX. Equifax stated that my account was closed on XX/XX/XXXX per the company but I was still late in XX/XX/XXXX. I asked If I closed the account on XX/XX/XXXX why do I have a late payment in XXXX? She proceeded to say that its is XXXX XXXX who is reporting the late payment. I contacted XXXX XXXX  and they state it is Equifax that is reporting wrong information. Equifax may not be fully investigating the dispute. I would think someone would question if the account was closed in XX/XX/XXXX why is there a late payment in XXXX. I have filed several disputes through Exquifax for this account thru XXXXXXXX XXXX and it appears Equifax is not Fully investigated the dispute. 

Please see below the Company 's ( XXXX XXXX ) complaint response through Consumer Financial Protection Bureau verifying I have NO late payments. Compliant number XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX ( XXXX ) appreciates the opportunity to respond to the concerns you have regarding account ( XXXX ) XXXX. We have a more than 130-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located on your retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, you may contact XXXX regarding questions about your purchase by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with explanation. : 1. You paid the account balance in full in XX/XX/XXXX ; 2. There was a delay in closing the account ; and 3. XXXX  processed a manual AUD on XX/XX/XXXX to correct the credit reporting. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$120.00} due on the XXXX of each month. You made your final payment on XX/XX/XXXX ; however, there was a delay in closing the account. XXXX closed the account on XX/XX/XXXX. XXXX processed a manual AUD on XX/XX/XXXX to correct the delinquent credit marks that were assessed on the account due to the delayed closing. XXXX  processed a bullseye report on XX/XX/XXXX and confirmed that no delinquent credit marks are being reported on the account. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 360 MORTGAGE GROUP LLC (CA)

I applied to re-finance my home in XX/XX/2018 with 360 Mortgage- since they were my current mortgage I though the process would be easier. The initial process went very smooth -- our application was approved and all documents were signed -- the appraisal ( which raised some eyebrows was {$700.00} ) which is not industry standard but we agreed. 5 days before we were about to close I received a call from the underwriter stating that she denied the new loan due but could state why. 20 days later I was informed my loan was sold to XXXX XXXX. I would like the money paid for the appraisal as the selling of my loan should have been noticed beforehand.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (FL)

Card was charged before we even activated or received the cards, there were 3 cards in total that got hacked and we did not use either one at all. We reported the issue immediately when we noticed it and to this day approximately 6 months later, this issue still has not been resolved. Instead the fraudulent balance is still there and they keep charging us late fees.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NJ)

I think that American Express is uncalled for and in the wrong for closing my accounts. My bank XXXX made an error with a stop payment for a different company that started with XXXX and they confirmed it was done in error. But American Express closed my accounts anyway even though I have made several payments and would never ever tell my bank to stop a payment to American Express which is an open card. On XX/XX/XXXX I never called American Express to do a stop payment for {$1000.00} and when I spoke to an Account Manager, XXXX XXXX, she said there was nothing to do be done. I think this is unfair and is very detrimental to my business.
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (TX)

I have been contacted repeatedly GM Financial. They ask that I return their call at XXXX. I have had no dealings with GM Financial. 
I bought a car from XXXX in 2006 and it was paid in full, by my dad. I have no attachment to that loan and have had zero dealings with GM, except for car repairs, which I have paid in full.
Consumer complaint received 2024-04-12
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-12
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. (NJ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-12
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)

I have approved for burrowers defense case. I have been approved to have all my loans discharged. XXXX XXXX XXXX sent me a letter XX/XX/2023. Verifying all my XXXX  loans have been discharged. In the letter they indicated they need 60-90 days to delete ALL XXXX LOANS FROM ALL 3 CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL 3 CREDIT REPORTS. TWO LOANS NEED TO BE DELETED FROM MY CREDIT FILES.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-12-18
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'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 2024-04-12
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. (VA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed
Consumer complaint received 2023-09-29
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. (MI)

I checked my credit reports with Experian, XXXX and XXXX and notice multiple XXXX accounts, inquiries, and address on my credit file. I never applied for any discover accounts and I Also never lived at those addresses. I attached a copy of my license, social security card and bank statement for proof of identity and address verification
Consumer complaint received 2024-04-12
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. (SC)

XXXX XXXX has been reporting inaccuracies on my credit report for years and needs to be removed IMMEDIATELY! They are continuously reporting as a Charge Off and when asked for debt validation, they'll send statements and a XXXX XXXX mailed to an unknown address. I've been living in my house almost 3 years ( XXXX XXXX XXXX ), an apartment prior to that ( XXXX XXXX XXXX ), and with my parents ( XXXX XXXX XXXX XXXX ). They are intentionally ruining my finances.
Consumer complaint received 2023-06-19
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. (NV)

For XXXX XXXXXXXX  Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2024-04-12
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. (IN)

I am writing to file a formal complaint against TransUnion regarding their repeated failure to investigate and respond to dispute letters I have sent concerning inaccuracies on my credit report. In addition, I disputed incorrect personal information listed on my credit report. On XX/XX/2024, I mailed dispute letters to TransUnion, explicitly requesting an investigation into inaccurate items listed on my credit report. Despite my repeated efforts to address these inaccuracies and adhere to the dispute resolution process outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has refused to conduct the necessary investigations. I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response from TransUnion dated XX/XX/2024, stating the following : 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. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do by the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report. 

TransUnion 's failure to acknowledge and investigate my dispute letters is a direct violation of my rights as a consumer under the FCRA. The persistence of inaccurate information on my credit report due to their inaction has caused significant distress and uncertainty regarding my financial standing. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure TransUnion 's compliance with the FCRA. Furthermore, I request that TransUnion promptly conduct the necessary investigations into the disputed items on my credit report and permanently remove the disputed items.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (FL)

I mailed certified letters to XXXX and Experian informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, both on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. Both bureaus refused to adhere to the law and refused to o all that they could in that moment, to protect me, the consumers rights and privacy.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I sent a letter to Equifax demanding the deletion of all personal identifiable information on my consumer credit report with the exception of this identifiable information : 1. Name : XXXX XXXX XXXX. 2. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. XXXX. Phone Number : XXXX. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Cell phone was hacked by some one of XXXX origin indicating charges are made thru Wells Fargo Bank for {$1900.00} by XXXX and he is reversing the charges. Don't know how the person got my bank account. I suspected this and reported to a representative in person at local branch. This amount was pending and I was told to close existing checking account and transfer all funds to a new checking account with new user name and password. 
A claim was filed but the fraud claim center didn't trust an over 30 year client and cleared the payment next day.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (OH)

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 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 2023-10-19
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. (PA)

Disputed XXXX XXXX XXXX on Experian, disputed two accounts. Asked for specific details to verify alleged debt. Experian verified both accounts without providing the proper information requested by me. Account XXXX is inaccurate with original balance, past due balance and balance being inaccurate, therefore must be removed pursuant furnishing inaccurate, harmful data. Account XXXX has a past due balance, which is inaccurate reporting since it cant be past due on a collection account therefore I demand immidiate removal.
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (NJ)

These accounts do not belong to me 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 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 XXXXANK XXXX