davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-14
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. (GA)

I submitted a letter to the XXXX XXXX Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$560.00}
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Request for Removal of Inaccurate Collection Account - Account Name : XXXX XXXX, Account Number : XXXX I am writing to bring to your attention an erroneous collection account that has been added to my credit report. As a consumer, I believe this account violates the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ) and request your assistance in having it promptly removed. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX Explanation : 1. Inaccurate Verification : I have been informed by the reporting agency that this collection account was verified, despite the fact that I have never had any business or financial association with XXXX XXXX. This verification process was conducted erroneously, as I have never engaged in any transaction or entered into any agreement with this company. Therefore, the account is incorrectly linked to my credit history. 

2. Financial Hardship : The presence of this unjustified collection account on my credit report has significantly impacted my financial standing, causing undue hardship for both myself and my family. It has limited my access to credit opportunities, making it challenging to secure loans or favorable interest rates. Removing this inaccurate account will help alleviate the financial burden we currently face. 

I kindly request your immediate attention to this matter and the initiation of an investigation into the validity of the collection account. Based on the information provided, I firmly believe that this account should be removed from my credit report to ensure accuracy and fairness. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please provide written confirmation once the investigation is complete and the inaccurate collection account has been removed from my credit report. 

Thank you for your assistance.
Consumer complaint received 2024-03-14
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. (NJ)

MY INFORMATION WAS BREACHED WHILE WORKING FOR A TEMP AGENCY. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND CREDIT INQUIRIES I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I CONTACTED THE CREDIT BUREAUS BY PHONE AND MAIL ADVISING OF THE INACCURATE AND FRAUDULENT ACCOUNTS BEING REPORTED ON MY PROFILE. I REQUESTED VERIFICATION AND THESE ACCOUNTS HAVE BEEN UNVERIFIABLE. 

FURNISHING INFORMATION TO PROFILE WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, AND FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (TN)

I was pre-approved to apply for home on XX/XX/XXXX with Nexa Mortgage for price {$290000.00}. I applied for XXXX Loan on loan with Nexa Mortgage to buy a home at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX with a binding contract on XX/XX/XXXX. I received the contract to buy the home.The Mortgage broker XXXX # XXXX is XXXX XXXX, phone number XXXX. The Loan Process was XXXX XXXX XXXX. The loan was supposed to be processed within theXXXX days to close on the loan my XX/XX/XXXX With XXXX XXXX Mortgage XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was informed that I had submitted all documents that was needed process the loan during the XXXX day contract time to buy the home and loss my {$300000.00} earnest money, inspection fee {$300.00} and {$500.00} appraisal. The loan processor continued to ask for documents needed past the XXXX day period and informed me that the underwriter did not know what he was doing and was no longer working at the company. 
My Realtor Agent XXXX XXXX with XXXX XXXX  informed Buyer to sign a Notice of unilaterally extend closing for XXXX days. I had until XX/XX/XXXX to close the contract with the seller XXXX XXXX. 
My contact was not closed on XX/XX/XXXX due to the Buyer gives notice to the other parties to XXXX XXXX and sale agreement that the closing date is extended for 8 days for the following reason ( XXXX ). 

A. Buyer 's mortgage lender, if any, ( including " all cash '' transactions or the closing attorney could not fulfill their respective obligations by the date of the closing due to no fault of the Buyer. 
B. Buyer 's has not received required estimates or disclosures, and Buyer is prohibited from closing under federal regulations. 
A copy of the notice unilaterally extended closing date for XXXX days was signed by buyer and seller. 
The processing time of not closing my XX/XX/XXXX with Nexa Mortgage not being consistent of the XXXX  day timing process caused Buyer to have a notice of unilaterally extension closing for 8 days. Nexa processing the loan was not within a 15 day period caused me to have to extend to 8 days and losing the XXXX 's {$3000.00} earnest, {$300.00} inspection fee and {$500.00} XXXX. The appraisal was completed on XX/XX/XXXX and The closing date of the contract was on XX/XX/XXXX. The XXXX XXXX XXXX decided to close the contract after the appraisal on XX/XX/XXXX and request the {$3000.00} earnest money although the buyer 's mortgage lender or closing attorney could not fulfill their respective obligations by the date of close due to not fault of buyer and not receiving required estimates or disclosures and Buyer is prohibited from closing under federal guidelines.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (FL)

I am writing to bring to your attention a critical issue regarding a debt that is currently being pursued by Amerifinancial Solutions. I dispute the validity of this debt based on the fact that, at the time of the service in question, I was a member covered by XXXX XXXX XXXX. Furthermore, I not only contest the amount claimed, but also the existence of any outstanding balance. This dispute arises from the inaccurate reporting of my insurance coverage, which has had severe consequences on my credit history. This detrimental impact is now hindering my ability to seek necessary medical treatment and is impeding my efforts to purchase a home.I have already communicated with XXXX XXXX of Florida, informing them of this situation and providing evidence of my insurance coverage during the specified period. They are aware of the inaccuracies in reporting and are collaborating with me to rectify this matter. Additionally, I dispute that I owe the amount stated on the invoices in question.I implore you to conduct a comprehensive investigation into this issue, removing any accounts associated with my name, XXXX XXXX, under the following account numbers : Account # : XXXX, Account # : XXXX, Account # : XXXX. The resolution of this matter is of utmost urgency, and I trust that you will treat it as such. I request that you promptly confirm the removal of these accounts and provide written acknowledgment of their resolution.
Consumer complaint received 2023-08-26
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 complaint is to inform the cfpb that Transunion continues to be corrupt and discourteous in regards to the XXXX XXXX XXXX account # XXXX that is wrongly placed on my credit report. I received a correspondence from Transunion dated XX/XX/XXXX FILE NUMBER XXXX stating that due to the result of the investigation, the the XXXX XXXX XXXX account was DELETED And the account information was updated on XX/XX/XXXX. I followed up on another copy of my credit report XX/XX/XXXX and discovered that the illegal account is still being reported on my credit report. This is evidence that Transunion is knowingly reporting False Data on my credit report. Which is a blatant violation of the Fair Credit Reporting Act. They conducted an investigation, found that the item did not belong on my credit report, but they continue to report it. The company continues to ruin my reputation and I will be seeking damages from all parties involved if this matters isnt resolved in ten days. 
Along with this correspondence, I am including a copy of the deletion letter that was mailed to my residence on XX/XX/XXXX.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I tried multiple times to set up payment, set up monthly payments multiple times, over the phone and online payments were not going through and after multiple attempts to pay monthly they said I missed to many payments and put a hit on my credit score that lowered it by over XXXX points. I then was forced to pay off the balance in full or risk a harder hit on my credit score. I then disputed with XXXX which boosted my score back up by XXXX points but I believe this should be removed from my record completely and that my score should go back to what it was before the hit.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-07-14
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. (GA)

Subject : Factual Dispute of Charge-Off Account - XXXX XXXX Account XXXX  XXXX I am writing this letter as a consumer to dispute the accuracy of an account listed on my consumer report. Upon reviewing my report, I noticed that the charge-off account labeled as XXXX XXXX Account XXXX  XXXX has not been properly investigated following my previous dispute, as of today, XXXX XXXX XXXX. 

Despite my numerous attempts to address the inaccuracies related to this account, it has come to my attention that TransUnion continues to report this account as inaccurate, incomplete, and unverifiable. Specifically, I would like to bring to your attention the following discrepancies : Balance Reporting : TransUnion is inaccurately reporting the balance on this account as {$950.00}, with a past due balance of {$800.00}. These amounts are incorrect and do not reflect the true status of the account. 

Missing Payment History : Upon reviewing the updates from your agency, I have observed that there is no payment history being reported for this account. The absence of a two-year payment history further undermines the accuracy and verifiability of this account.
Consumer complaint received 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (OR)

I use online bill pay to make my monthly mortgage payments. I typically pay my mortgage within the first few days of each month ( XXXX or so ). 

In XXXX, I submitted a payment to NewRez ( servicer ) on the XXXX. The XXXX XXXX ( XXXX ) confirms that a check was produced and mailed on the XXXX. I live in XXXX, OR and NewRez is apparently in XXXX, TX. 

According to my XXXX account, the funds were taken out on XX/XX/XXXX and at that point I no longer had access to them. However, NewRez says they did not receive / open / credit the payment until XX/XX/XXXX, which resulted in a late fee of {$140.00}. 

I talked to them twice to explain the situation but they will not remove the fee. 

It is inexplicable to me that a. ) a payment takes XXXX weeks to travel from XXXX to XXXX ; b. ) the funds came out of my account a week earlier ; c. ) neither USPS nor NewRez, both multi-billion dollar operations will take accountability for these inexcusable delays and a dude from XXXX is stuck with a {$140.00} fine when he did everything right. 

I find it exceedingly unlikely that the check actually took 14 days to traverse XXXX miles and suspect it was received by NewRez well in advance of the XXXX. If so, and it took them a week to process the check, that's on them, not me. Either way, I have no intention of paying this fine when I did everything the way it's supposed to be done. 

NewRez receives my payment every month and has for 3 plus years. They make money servicing loans, which in and of itself is parasitic. NewRez does not own my loan, they took no risk in making it, yet still manage to make money simply by cashing checks and looking for excuses to charge people fees. It's absurd. And to top it off, I'd be willing to bet almost nobody who works there answering calls makes a living wage.
Consumer complaint received 2023-10-21
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. (TX)

Took out a loan to attend XXXX driving school through my local community college.. Well they ended up not providing my training and instead they sub contracted me out to XXXX truck driving an unaccredited for profit training company that has since gone out of business.. I wrecked my truck and had a XXXX child that is now on XXXX and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from XXXX XXXX The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several XXXXimes.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..
Consumer complaint received 2023-10-21
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. (TX)

Took out a loan to attend XXXX driving school through my local community college.. Well they ended up not providing my training and instead they sub contracted me out to XXXX XXXX XXXX  an unaccredited for profit training company that has since gone out of business.. I wrecked my truck and had a XXXX child that is now on XXXX and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from XXXX XXXX The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

The XXXX ( Webster Bank ) account is a joint account between my wife and I. We setup my wifes checking account as an external account to transfer funds to our XXXX account. After successfully validating the account using two small deposits method, Webster bank suspended our account. They asked for a copy of the bank statement from the chase checking account, and while we provided that to them, they have not unlocked the account or given an estimate of when itll be unlocked. 
Also, we had a transfer of {$6900.00} from our XXXX XXXX XXXX  account that was supposed to be deposited on XX/XX/2023. However they are not confirming that its deposited and we dont have access to log into our account to make sure its depositted.
Consumer complaint received 2023-01-07
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. (FL)

I ordered a copy of my report on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Bureaus have not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Statuses of XXXX  XXXX Balance : {$510.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$3000.00} I believe these accounts were reported in error.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (AZ)

I submitted a dispute to all three credit bureaus about XXXX funding acct XXXX It is reporting inaccurate information because it is a collections account and it is showing past due. A collection/debt buyer account can not show past due because they bought the account from another company. That is inaccurate and per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.