davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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. (MO)

I've reported to the major credit reporting agencies that my identity was compromised and without any physical documentation in which was requested they still mis reporting these unauthorized fraudulent accounts on my credit file. I'm requesting that these accounts are removed immediately and blocked from my files. These accounts shall be removed. 

1. XXXX XXXX {$580.00} 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of ED/ XXXX {$3800.00} 8. Dept of ED/XXXX  {$3700.00} 9. Dept of ED/ XXXX {$2200.00} 10. Dept of ED/ XXXX {$1800.00}
Consumer complaint received 2023-09-21
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc. (OH)

I have been trying to get Self financial off of my Credit Report for 2 Months with no luck except with XXXX who deleted it. XXXX displays SBNASELFLNDR saying that it's under collection or Closed. I reported identity theft months ago regarding this and also sent the report more than once to the right email I know it's right. The second account is the same this but trying to get me to pay under another bureau and it's called XXXX who I also told this was identity theft and sent the documents. This has been a stress and caused me to miss work and emotionally been crushing me having to complete a process over and over. I would like this removed.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 2023-04-20
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-13
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There was multiple bank accounts open with Bank of America under my name fraudulent and they are now in check systems as a negative collection! No I am unable to open an account with any other institution! I was incarcerated when those accounts was open Ive attached documents to show the date I was released from Illinois XXXX XXXX XXXX
Consumer complaint received 2018-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and Transunion. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with XXXX XXXX. I tried disputing this with TransUnion again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. XXXX XXXX is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. TransUnion refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

My mortgage servicer is supposed to pay my homeowners insurance policy. 
They have not done so yet. 
The policy was due on XX/XX/XXXX. 
My insurer confirms that they have not yet received payment. 
This is the XXXX year in a row that my mortgage servicer has done this. 
I believe it is their way to get me to use their own insurer. By letting my own insurance policy lapse, they'll force my hand to use theirs. 
I have contacted my loan servicer several times over the past XXXX months to ensure this wouldn't happen in the first place prior to the XX/XX/XXXX due date, and a few times since, and I don't receive satisfactory answers.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (CA)

I have this information on my credit report : JEFFERSON CAPITAL SYSTEM Reported : XXXX XXXX, XXXX Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info It is incorrect and they keep calling me. I have asked them to stop several times. I have explained to them that the information they are providing is false. 

1. ) I do NOT owe Jefferson Capital. I never got a phone or a phone line from Jefferson Capital. I never agreed to pay Jefferson Capital nor do I have an agreement with Jeffererson CapitaXXXX. 

2. ) They are reporting that this is a new debt and making my credit score go down and show me in collections. This debt is not a year and 3 months old. That's when Jefferson Capital purchased the debt. This debt occurred with XXXX in XXXX. Which is WAY over the statute of limitations that allows them to have it on my credit report. It should have fallen off after 7 years or 10 years at the most. It's now XXXX and Jefferson Capital is trying to call and collect someone else 's debt. I don't owe them and I'm not paying them.
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Ref complaint ID XXXX XXXX Regarding 5th-3rd bank with my account, my follow up comments are enclosed. 

I read the bank 's closing comments which are false. How convenient for them to use " technology '' as their means to justify their motives to take " customer 's money ''. 

1 ) Ms XXXX 's comments that my checking account was set up for Internet banking vs paper mailing is false. I DID NOT SET THIS UP. I did not authorize this. I would never set up a paperless account. When I was already receiving statements for my savings. 
it does not make any sense to have a paperless statement for checking. All accounts should be consistent mailings. 
Also, In addition, I was not able to access the Internet account. Continuous attempts showed invalid name, invalid password. I was not able to access on-line. 

2 ) My first communication with 5th-3rd was that there was no activity, when in fact, the bank was using their process to " take fees '' out of the account. Even though, I did not initiate this activity, the bank continued to do so. These fees, initiated by 5th-3rd are activity. THIS WAS ACTIVITY. 

I WAS NOT INFORMED OF " AUTOMATIC CHANGES TO MY ACCOUNT. As the bank continued to " bleed my checking account dry '' with their fees, this is another example of " poor '' communication with their customer service. Ms XXXX 's letter does not provide accurate facts on this complaints, only to justify the bank 's purpose. 

I am not contesting the bank 's requirement for their balance on the account. 
Even though, they are excessive.. However, I should have been informed, IMMEDIATELY, on paper by mailing, that {$25.00} fees per month, were being withdrawn. 

I have contacted her office, only to be able to leave a message. She has not returned my phone calls. Therefore, I am requesting another review on this complaint. A refund of {$140.00}.
Consumer complaint received 2023-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

My student loan has been sold from XXXX to Mohela an I have never received a message from Mohela regarding them having my student loans. The Student loan balance reporting on my consumer report is higher with Mohela than it was with XXXX. i am struggling and due to this high student loan on my consumer report it causes me so much pain an stress. I try apply for a home loans and I did not qualify because of the debt to ratio to high causing by the Mohela/XXXX XXXX  XXXX XXXX XXXX reporting on my consumer report. At this point I can not effort to make any payment nor qualify for a place to stay since lender has to check the consumer report. Even though the account is still showing good standing on my consumer report, it still effecting my and my family very bad and due to this recession things are getting harder for me and my family. I would like for these student loans to be update to zero balance on my consumer report so I can get qualify for a place to stay with my family.
Consumer complaint received 2023-10-18
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. (KS)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (WA)

I came home on XX/XX/XXXX to find the attached letter in the mail. It stated that a check issued by XXXX XXXX on XX/XX/XXXX in the amount of {$660.00} was never cashed. I had refinanced my home and this appears to be excess funds in my escrow account. 
I received my XXXX for my mortgage interest that year so I am not sure why we would not have received the check. 
My husband and I followed the instructions in the letter, signed and completed the information requested and I faxed the letter back on XX/XX/XXXX. The letter states that if the letter was not received by XX/XX/XXXX, they would report and remit the property to the State of Washington. ( This has not been done, so this leads me to believe they have the response from me ) They also stated that it could take 6-8 weeks for us to receive the check and could delay further if you contacted them to find out the status. I faxed the second letter along with the XXXX letter attached requesting the status since it has been over 16 weeks since the original response was faxed to them. 
As of today XX/XX/XXXX, I have not received a response to any of my communications and the property is not listed on the Washington State Unclaimed Property website.
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - XXXX
Consumer complaint received 2023-02-27
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. (FL)

In accordance with the Fair Credit Reporting act the company XXXX XXXX XXXX Account # XXXX, has violated my rights under the following codes 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2018-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Contacted Transunion on numerous occasions about inquiries accessed on my credit file without my consent. Was told by a transunion representative that companies have the eight to view my report as wanted without my consent. The inquiries in question are XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX as well as XXXX XXXX on XX/XX/XXXX. Asking for immediate removal of inquiries asap. No I have no contracts or binding business with any of the inquiring companies nor did I approve access.
Consumer complaint received 2017-09-19
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: EQUIFAX, INC. (MA)

I 've been made aware that my private and personal information were compromised in the announced Equifax security breach. Reports suggest that Social Security numbers, addresses, and more were taken.

Clearly this is hugely unacceptable and I can only hope that the government is working to punish this group for their mistakes!
Consumer complaint received 2023-12-11
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (PA)

It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar/XXXX XXXX found they made a mistake, but only credit me XXXX out of XXXX. Why did they only credit me XXXX? Why does it state on their resolution letter my modification was completed on XX/XX/XXXX when it was completed in XX/XX/XXXX? Their history of payments are too hard to understand, I have called XXXX XXXX multiple times and she has not returned my call. 

This is not the same issue. I 've already been proven right, Nationstar made a error in accounting and has now provided me a credit. This complaint is to clarify why the amount credited is so low. They should not have charged me any late fees or any bank fee 's ... I have not been late since the modification was singed in XX/XX/XXXX.