davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (GA)

On XX/XX/2023 I reached out to XXXX XXXX XXXX to settle a collection. I then ask for verification of this account and the company could not provided me with proof of this account being mine. Also the address is not up to date and I never agreed to anything with this company. They have me owing XXXX I would like this account removed from my credit profile from all three Bureaus.
Consumer complaint received 2023-11-14
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. (GA)

Recently, I submitted my dispute letter to your company via mail addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act. 

-- -- -TransUnion -- -- - XXXX 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
Consumer complaint received 2023-07-02
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. (OH)

These fraudulent accounts was created without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (AR)

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers has 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 

XXXX XXXX  XXXX {$5900.00} XXXX XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$260.00}
Consumer complaint received 2024-04-11
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I wrote to XXXX requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (GA)

XXXX XXXX XXXX I, XXXX XXXX XXXX residing at property XXXX XXXX XXXX XXXX, XXXX, GA XXXX purchased the home in XXXX and refinanced it with XXXX XXXX Loan # XXXX on XXXX/XXXX/XXXX. That loan was sold to XXXX Loan # XXXX and was taken over by XXXX XXXX XXXX Loan # XXXX when they went under and held the loan for the years XXXX and XXXX then to XXXX Mortgage Loan # XXXX and to XXXX Loan # XXXX then eventually to Nationstar Mortgage - Loan # XXXX which is the current servicer. 
During the time the loan was being serviced by XXXX XXXX. I experienced some hardship and requested their assistance with a modification to avoid foreclosure when I was informed that they had not received any payments for at least 12 months with which I disagreed and thereafter received what seem to have amounted to a refinance for 30 years which included a second mortgage in the amount of XXXX. 
In XXXX I requested the assistance of the XXXX XXXX, a XXXX Certified non-profit counseling agency, to apply for a modification and was given a 3-month trial of which payments were made on-time and was offered a final modification with terms extending the balance to a 40-year loan maturing in XXXX which was to be signed and returned by a specific date. 
In reviewing these documents I noticed that an area was incomplete on the Agreement To Maintain Escrow Account ( page XXXX of XXXX ) and the balance in question seem incorrect from the years I owned the home. 
I am attaching documentation that may be helpful in getting to the bottom of my concerns in assisting me with my file. 
I appreciate your cooperation in this urgent matter. 
Regards XXXX XXXX XXXX Contact Information : XXXX Email : XXXXXXXXXXXX Encls : Nationstar Trial Modificaation Nationstar Final Modification XXXX Final Moiication XXXX Mortgage Interest Statements - XXXX XXXX XXXX - XXXX & XXXX - XXXX Mortgage - XXXX - XXXX Mortgage - XXXX and corrected XXXX - XXXX - XXXX XXXX Settlement Statement - XXXX XXXX Copies of bank statements can be provided if needed.
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 called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries are not yet removed since my request. 

The inquiries that I wish to remove are located on the attached documents of this complaint.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I applied for and was approved for a Bank of America Preferred Rewards credit card around XXXX XXXX, 2023. After receiving the card, I made some minor online purchases and also did some shopping in a nearby city on XXXX XXXX without any problems. However, after charging less than {$900.00} total a {$230.00} grocery purchase at XXXX was abruptly declined, and the card has been unusable ever since. 

Instead of asking me to verify the unspecified " unusual activity '' on my card as would be the normal practice, it and my account have just been totally blocked. I subsequently talked over the phone with two representatives and two supervisors in BOA 's fraud department, but none of them could explain coherently what the problem was, and they all ludicrously advised that the only way I could get my account functioning again would be to fly some XXXX miles to the mainland and visit a Bank of America branch there in person ( BOA has no branches in Hawaii ). 

I could just cancel this card in disgust, but I'm already on the hook for the {$95.00} annual fee and would have to forego the promised generous sign-up bonus, which was the main reason I sought this particular credit card in the first place. Applying for a replacement card from another issuer would also likely negatively affect my credit score.
Consumer complaint received 2023-09-29
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. (NC)

Unauthorized Inquires 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 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXXXXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (DE)

On XX/XX/XXXX I went to TD bank Branch on XXXX XXXX XXXX XXXX DE with {$3000.00} cash and I used the ATM Machine To deposit my Money. The cash which was my pay By the way was in a form of Mixed Bills XXXX and XXXX bills. Since I already know that the machine won't accept that many bill at the same time so I decided to do two deposit consecutively. I made the first deposit with out paying attention to how much exactly it was, It went trough fine with no problem and the second transaction after I put the stack of cash in the machine that's when an Error occurred and the machine get stocked. I got a message asking me approximately how much was my Deposit? Since I wasn't sure I just Put a number {$1800.00} Hoping that whoever will handle the transaction will figure out how much it was. All I know at that time That I had {$3000.00} in Cash. When I Check My Account Later I found out that Indeed the first deposit was {$2100.00} so instead of XXXX That I put it should have been {$880.00}. I called them The next Business day to correct it. They Open a dispute case on my behalf and they tole me that they will Count the deposits in their defaulted Machine and let me Know. At the Mean Time they Gave me credit for my {$880.00}. I received a letter from them few days ago saying that the case was closed to my favor and no more actions will be required. I was Shock when i checked My account on XXXXXX/XX/23 to see that they went to my account and took the {$880.00} again Unjustly. Someone did not do his job Right. I'm sure If they had Counted their Money right in that Machine we wouldn't be having this complaint.

I Really appreciate your help resolving this matter. If I was really a bad guy or trying to cheat them I would have stick to the original Number That I put the first time which is {$1800.00} but Instead I was Honest and That's what I get because of My Honesty.

Please Help me resolve this Issue.

Respectfully Yours. 
XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

The Declaration of Independence : Under the authority of the Consumer Financial Protection Bureau ( CFPB ) as provided by 12 CFR 1026.23 ( d ) ( 2 ) - Right of Rescission, I, XXXX XXXX, hereby invoke my right to dispute and request the rescission of credit transactions reported by XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. These disputed transactions are subject to rescission because they were not authorized by me, hence violating the principles set forth in the Truth in Lending Act ( TILA ), as implemented by the CFPB 's Regulation Z ( 12 CFR 1026 ).

In accordance with 12 CFR 1026.23 ( d ) ( 2 ), a consumer 's right of rescission renders any security interest void upon exercise of this right. Therefore, I am not liable for any charges or debts purportedly incurred under these disputed transactions [ 1 ].

Furthermore, Regulation Z ( 12 CFR 1026.15 ) stipulates the procedure for exercising the right to rescind, which includes notification to the creditor via mail, telegram, or other written communication [ 2 ]. Accordingly, this letter serves as formal notification of my intention to rescind these transactions. Please explain to me how, in both cases, it is undeniable that they were handled exactly the same, both closed and written off in the exact same way. Yet, one was deleted from my credit report but then put back on, while the other stayed on my credit report. How and what makes one be completely removed and the other remain for 7 years? I have disputed them in the same manner, being that they are the same : 'closed/written off ' without my signature or a record of the advancement being taken on my accounts. Yet, one is removed and the other is not. Is this what your company considers fair, equal findings?

What makes one different from the other? It's not fair, clearly placing me in harm 's way and intentionally harming my well-being. Also, I ask why you take the accounts off then put them back on with different dates and different prices? My person and my rights are being violated by the two described parties, as well as this reporting company, by the Constitution of the United States of America.
Consumer complaint received 2023-10-20
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)

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 ... .... THESE ARE DATES AND COMPANYS THAT HAVE UNAUTHORIZED INQUIRIES ON MY TRANSUNION ACCOUNT. I DID NOT AUTHORIZE THESE THREFORE THEY ARE FRAUDALENT. I REACHED OUT TO THE COMPANY TO TAKE THEM OFF NO HELP
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC (FL)

My solar loan lender '' sunlight financialXXXX XXXX '' was making advanced payments to my contractor XXXX XXXX prior to work being completed, permits taken, inspections passing and XXXX issued.My lender also did not do their due diligence PRIOR to paying contractor. 
Now sunlight financialXXXX XXXX is demanding payments.There were many violations that XXXX XXXX violated and was obvious to Sunlight Financial.I have repeatedly spoken and emailed Sunlight financial over the past XXXX and a half years that the panels were not properly installed, no permits etc.XXXX XXXX  eventually removed all panels from my roof, leaving the connection box attached to my house and stored panels in my backyard and now my roof is leaking and mold has formed.Sunlight financial was informed of all this and they ignored me.My city is threatening to fine me for violations and i have to appear before the magistrate. 
I also have requested documents to be sent to me on my complete file, proof of installation meeting each milestone { per loan contract } and any documentation giving Sunlight financial/XXXX XXXX permission to pay XXXX XXXX in advance without my consent.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Exeter Finance, LLC. (AL)

I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I trust this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the misuse of my personal information within the United States in XX/XX/2023. 
I am XXXX XXXX XXXX, an international lawyer and consultant who has not resided in the United States for the past 12 years. Regrettably, it has come to my attention that identity thieves attempted to exploit my documents within the aforementioned timeframe. I am reaching out to formally request the removal of my name from any local and international agencies to prevent further misuse of my identity. 
I wish to emphasize that, as an international legal professional, I have maintained a clean record, and I have never been associated with any suspicious money transactions. The misuse of my personal information is a matter of great concern, and I am taking immediate steps to rectify this situation. 
To facilitate this process, I kindly request your assistance in expeditiously removing my name from any databases, records, or documentation related to the aforementioned identity theft incident. I am prepared to provide any necessary documentation, such as a copy of the police report filed in connection with this matter, to support this request. 
I appreciate your prompt attention to this matter and anticipate your cooperation in ensuring the swift removal of my name from any pertinent records. 
Should you require any additional information or documentation, please do not hesitate to contact me at my email I have only a XXXX XXXX XXXX XXXX Florida to receive correspondence. 
Thank you for your understanding and cooperation in resolving this matter.
Consumer complaint received 2023-04-17
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 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Enterprise Systems, Inc. (TN)

I paid two collection accounts with National Enterprise Systems. I was told the collections would be deleted and the accounts would be marked " paid in full. '' Since I've paid they have updated the listings as charge offed accounts, as though the delinquency has been re reported.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

I have been trying to fix my credit. Back in 2021 I allowed my ex to use my credit credit where she maxed it out and never told me. I contacted Discovery about the matter I was informed my account was closed. I was offered a settlement of three months paying {$90.00} for two months which I went through and paid the settlement. I checked my report again to find out for a second time the balance had increased and the account kept collecting. I contacted Discovery once again and did ANOTHER settlement for additional three months and they said it was settled. This I checked my credit again for the third time seeing the same result not only that, they overdrafted my Bank account over {$600.00} and put me more and debt and theres no resolution and it is destroying my credit and any chance to build a future with my family.
Consumer complaint received 2024-04-11
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. (CA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.