davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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. (CA)

XXXX XXXX XXXX Casino XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : TD AUTO FIN | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX  XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX AUTO | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX AUTO | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2024-04-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dovenmuehle Mortgage, Inc. (DE)

XX/XX/XXXX I attempted to pay my mortgage online and was blocked from being able to pay. I called the mortgage company they advised I was blocked due to 2 nsf payments one in XXXX and one in XXXX. I advised my payments cleared in XXXX and XXXX they advised me to send proof which I did so it could be reviewed for release. I called XX/XX/XXXX to make a payment and was advised the email was not received nor reviewed and that I am still blocked is still blocked. The only way I can pay is certified check or XXXX XXXX. I advised due yo a medical condition I would not be able to obtain a certified check XXXX XXXX XXXX cost {$60.00} such I dont have extra for. They refused to take the payment told me to figure it out. Kept advising my XX/XX/XXXX payment returned when in fact it cleared. I called my bank on 3 way and they confirmed my payment cleared we also learned my online payments were being ran prior to the date they were scheduled multiple times causing them to be rejected this is not legal. I ask they remove the hold so I can pay my mortgage payment. 
I will consult an attorney separately to see if additional rights were violated
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (SC)

I appreciate you making the effort to delete some of the data on my credit report, but there are still inquiries that need to be removed. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be deleted as soon as possible. 
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 EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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. (CA)

Hard fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (TX)

I received a letter on XX/XX/year> stating my dispute was fraud, frivolous, or irrelevant. My husband received the exact same letter the same day! All of my letters were my words ( not a credit repair company ). I included additional supporting documentation regarding my dispute with very detailed reasons why it should be deleted from my report immediately. It was signed with a wet signature. 

Provide proof of what makes you think my dispute was fraud, frivolous, or irrelevant. 
I request you send my original letter back to me with an explanation of how you came to this conclusion. 

Your letter failed to identify which dispute this is regarding in a manner I could interpret. File number XXXX does not help me find which dispute needs to be resubmitted Your letter failed to inform me of what additional information is needed ( see FCRA 611 ( 15 U.S.C. 1681I ). 

I received an email from XXXX not a letter.
Consumer complaint received 2023-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

Source Receivables Management is attempting to collect a debt of {$1400.00} that is not owed. The collection attempt was disputed XX/XX/XXXX with complaint ID XXXX and the status is closed. XXXX was the originator of inaccurate reporting and they responded on complaint ID XXXX. It was determined the collections should be removed from my credit report. As of XX/XX/XXXX, Source Receivables Management is attempting to collect again. The attempted debt collection is linked to a phone that XXXX claims was not returned, however, the return receipt from XX/XX/XXXX is attached. The customer service specialist at the front desk did not correctly enter the returned phone on my account after it was traded in. The receipt shows an Amount Due of {$0.00}.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Recently I've mailed multiple dispute letters to Equifax regarding an account which is reporting inaccurately. In the previous dispute letters I asked them to ensure that this account is reporting accurate information and to to remove anything that isn't accurate. They responded that this account is accurate but still even after multiple investigations I can prove that there are multiple inaccuracies reporting which is against 15 U.S. Code 1681i - Procedure in case of disputed accuracy, section ( 5 ) Treatment of inaccurate or unverifiable information. I am aware that it is the credit reporting agency 's duty to do what's fair and equitable for me as a consumer in which I believe I wasn't given a fair investigation. If Equifax responded that this information is accurate, how are there still multiple inaccuracies and violations reporting? Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions, subsection ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am aware that certain information is not included in a consumer report by definition which Equifax violated. They failed to properly investigate this account in which it reports totally different information than what the other credit reporting agencies are reporting. How can an account report 30 days late, then closed, 30 days late, then closed? The account number is completely different from what the other credit reporting agencies are reporting. I acknowledge that I have a right to privacy and in order for any account to be reported to my consumer report I must be given the right to opt out from this information being reported in which I never was never made aware of this from the creditor reporting this account. I would like to flex my option to opt out of this information being reported on my consumer report in which Equifax must abide by. By Equifax still reporting inaccurate information even after multiple attempts to investigate this account, my credit score is negatively impacted for their mistakes. Included in this complaint is a copy of my dispute letter and Equifax consumer report of the account with inaccurate information in which I believe is inaccurate. Attached to this complaint is a copy of this account that report to all 3 agencies which is reporting different information. 

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I followed procedures for reactivation, but the account was not reactivated after a month of waiting. There are no physical branch locations in my state, and customer service is offshored, with no option to speak to an American agent. 

I have over XXXX in frozen funds essentially held XXXX.
Consumer complaint received 2023-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Consumer complaint received 2024-04-10
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. (GA)

I looked at my report on XX/XX/2023 I noticed some things were reporting incorrectly. I sent a letter to XXXX asking them to reinvestigate the completeness and accuracy of my accounts. However, I waited the required amount time, They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). This does not make any sense to me.
Consumer complaint received 2023-09-14
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 (ID)

First, we do not use this card or carry it with us. While on vacation we received a text about 2 suspicious charges on the card. We called the number in the text immediately and confirmed the charges were not ours. one was XXXX and the other was XXXX. Both were apparently done online. When we returned home, we received a letter from Truist telling us the charges would be removed from the card balance and we would not be required to pay them while the investigation continues. We would be required to pay any other balance. We did not have a balance on that card. The case number is XXXX. They also sent us a new card with a different number on it. We continued to watch our account online to make sure there were no other charges. We saw that they did not remove the charges as they stated they would and so we called them. Each time we were told not to pay, and the investigation had not been completed. We continued to call on a regular basis to get this resolved and each time we were told the same thing. We have called at least 20 times. We have been told that someone would call us back and they never did. We have been left on hold for 55 minutes. They even sent us a gift card to make up for all of the inconveniences. Each time they say they are escalating it and to call back in 5 business days. I told them this is unreasonable, and I do not want to have a negative mark on my credit report, and they just told me that I could dispute that. Again, their letter states that I am not responsible to pay it and they would remove it from my credit card balance. Today, I find out that they have in fact reported us as having a past due balance to the credit bureaus. I see that there have been other reports with nearly identical circumstances reported on this bank. They told us that they have 3 billing cycles to complete their investigation and it has been 3 full billing cycles and nothing at all has been done. I have never had this type of problem with a bank before and I have never had a late or missed payment. I call the fraud department number and never get a person in the actual fraud department to talk to. They tell me they are back-office personnel and don't speak to customers. I am at a loss as to how to get this resolved. Please advise on how to proceed. These are fraudulent charges, and we are supposed to be protected. We do everything we can on our end to protect ourselves, but the bank does not stand behind us on their end. Also, we get two statements every month. One is for the old card number and has one of the fraudulent charges on it for XXXX. The other statement is for the new account number they gave us and has the other fraudulent charge of XXXX on it. Each account statement is accruing fees. When we call, they can never find the account statement that is under the old account number. Yet, both statements can be found in our online account under documents.
Consumer complaint received 2024-04-10
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 SIction 604 A Section 2 : It also states a consumer XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Balance : {$14000.00} {$14000.00} {$14000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$31000.00} {$31000.00} {$34000.00}
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I acquired an auto loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX the account had negative reporting. Since that instance, this company has repeatedly adjusted the account amount to whatever they want. After going through XXXX disputes with a credit repair company and myself they continuously go back in after the disputes and adjust it right back to the amount before the dispute. This is very fraudulent behavior from XXXX XXXX XXXX XXXX and it needs to be investigated thoroughly so that other consumers do not have to experience the painstaking trials I have endured with this bully bank. No company should not be able to go back into an account and change anything after a " charge off ''. The company is repeatedly doing this as to show " new '' info on my credit score and report.
Consumer complaint received 2023-05-07
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. (NY)

I asked all three credir bureaus to verify all the information on my credit report. They said they did but after I have done comprehensive research on my credit reports, I found inaccuracies even after the credit bureau did their research. Here are the accounts with inaccurate information : XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX XXXX Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX In accordance with the fair credit reporting act, converging accounts # XXXX, # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

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 instruction.
Consumer complaint received 2024-04-10
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-04-24
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$260000.00}.
Consumer complaint received 2017-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was the victim of Transunions service error. I have contacted customer service and they refuse to remove the inquiries that were added to my credit without my permission. 

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
Consumer complaint received 2023-03-10
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. (OR)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-07-02
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: DISCOVER BANK (VA)

Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.
Consumer complaint received 2024-04-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Please help with this matter. I will go into detail, sharing how we arrived at this point. 

I suffered a physical attack at work in XXXX XXXX XXXX. After that, my company put me on leave for a while without pay and for sometime. In any case, my spouse 's work had placed him on medical leave at the time because of XXXX XXXX, and he was also very sick. I was determined to return to work at another location, but my boss was extremely vindictive and prevented me from working. She continues to call and advise people not to hire me even now. 

Well, at the time, my mortgage company, CM, contacted us, asking what the issue was. I shared what had happened to me with Carrington Mortgage, and they told me that they could help us. After, we finished the items they sent, they informed us that it would not have an impact on us. Additionally, if my memory serves me well, they stated that the mortgage increase would keep us covered until the loan 's expiration. 

We just attempted to obtain approval for the money needed to have work done on our house. Everything was going smoothly until the loan officer got in touch with us and told us we couldn't get the loan. Since Carrington did not inform us that they were requesting the funds in the amount from HUD of {$69000.00} we are crushed. How can that be when we are paying more on our mortgage. Is this right can you please help us as they did not tell us correctly. Now we can not have our home repaired as needed.