davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-02-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

After receiving an derogatory alert on my consumer report, unfortunately, I discovered 30 day late on this account. Not only was I never late on this account, but I never received any notice that you were going to insert negative data on my credit report, as you are required by the FCRA Negative Information ( A ) Notice to Consumer Required & ( B ) Time of Notice
Consumer complaint received 2023-01-08
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2017-05-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC (PA)

I contacted City Worth Mortgage Company for pre- Approval for an F.H.A. Loan. On XXXX XXXX,2017, after consulting and applying with XXXX XXXX, I received my pre approval letter. I then proceeded to make an offer on a house that was accepted. I made a formal mortgage application and the appraisal was ordered. I was in constant contact with XXXX XXXX, and provided him in a timely manner all of the documentation that he requested. This included 4 current pay stubs, transaction records from the bank, showing the current balance and activity. I also provided 3 current bills that were paid within 12 months. He was provided with information on my current employer and information about my employment for the last few years. The appraisal was completed, the work that needed to be done to satisfy the requirements was done and the appraiser returned and signed off that everything was complete. My loan application was in underwriting and I complied with all that was requested from me. We proceeded toward closing and my buyers CD was sent out on Tuesday XX/XX/XXXX. It was signed by me and returned for an XX/XX/XXXX closing date. I was told that my loan paperwork was stuck in processing, and then later was denied my loan on Monday XX/XX/XXXX because they said they were unable to verify income, even though I had provided income statements during the entire process. My realtor and I were made to believe that the closing was still on schedule and everything that was requested was fulfilled. We did not receive any notifications that there was any issues with my job or income until the denial. As of Wednesday XXXX XXXX 2017,  my realtor has made many attempts to contact this company but there has been no response to resolve this issue.
Consumer complaint received 2024-03-27
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

To Whom it may concern, I recently challenged the validity of PRA ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing.
Consumer complaint received 2023-02-07
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. (MI)

I have four fraudulent accounts that do not belong to me and I wish to have them removed. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$290.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$1000.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} + COLLECTION XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} I have many fraudulent addresses that I want removed, they are listed below. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-06
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-07
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 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.

In accordance with the Fair Credit Reporting Act XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish without my written instructions. Under 15 USCS 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 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I am XXXX XXXX XXXX and on XXXX fixed income. I have had chase joint account with my husband for a few years. My husband eventually died on thanksgiving last year, XX/XX/2022. 
I notified everyone of his passing as soon as possible and here is where issues started. For some unknown reason Chase, locked up {$2500.00} of my funds, which of course I did not have, overdrawing my account and not allowing me to pay any bills. My daughter landed me the money, which Chase promptly locked up. No amount of calls, letters from XXXX or explanations, that XXXX does not want but {$600.00} of take back after my husbands death are helping. To make matters worse now XXXX stopped paying any money to me since it sees funds on account. Funds i cant use. Its a catch 22. XXXX sees money and wont pay anything and the bank stubbornly keeps a lock on the funds. As of today the bank completely locked all of my assets. Every penny I have even the funds my daughter landed me. 

What do you suppose a little old lady to do? i need that account unlocked! I need my XXXX income restored. I should be allowed to live in peace. 

Thanks, XXXX XXXX
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 Account Number : XXXX, Account Name : XXXX CARD. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account 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 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 XXXX 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 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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. Please don't ignore my request this time to repair the following items immediately : 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
Consumer complaint received 2023-02-07
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. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX 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 2023-02-18
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a 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 an 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 or 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 2017-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (RI)

My total loan was {$16000.00} - disbursement began  XXXX  and completed  XXXX . I started making payments in  XXXX . I called a couple years ago to go over payments and when my loan would be paid and was told it would be done by  XXXX . My loan balance has not changed much in the past 12 years and they show I still owe  $ 9000+  I 've requested 3 times a print out of my payments and each time they only provide from  XXXX  and  XXXX  but will not provide me with  XXXX . I ran my loan in an amortization schedule and this should have long been paid for. I 'm getting no where with them and I know this should have been paid in full by now. I feel like they have me backed in a corner and are ruining my credit.
Consumer complaint received 2017-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc. (MA)

On  XXXX   XXXX , I initiated a transfer of {$1000.00} from  my Google Wallet  balance to my debit card ending in  XXXX  using website wallet.google.com. The website returned me an error stating that 'The transfer could not be completed, please try again '. However the money was still deducted from my wallet balance and never returned back to my wallet.     I looked at the transactions on my wallet account and could see a transaction with Id :  XXXX  with status as PENDING created at  XXXX   XXXX ,  2017   XXXX   XXXX .     I reached out to google wallet support via chat agent (  XXXX   )  and she advised me to wa it 24-48  hours while she escalates the issue to a  specialist. I got a response next day telling me that the money should be in the bank account. I responded telling that this is not correct as the money is not in the bank account and transaction still shows status as Pending. I received another standard response to wait 24-48 hours.      On Monday  XXXX   XXXX , I contacted google wallet support via phone. The agent worked me to troubleshoot and we even contacted my bank to check for any incoming transfer.   Bank verified that they do n't see any incoming transaction. The Google agent advised me to w ait 3  business days as he confirmed that money has been sent to Bank by Google.     On  XXXX   XXXX , I contacted google wallet again via phone since the money is still not in the bank. I spoke to a supervisor who looked at the account and mentions that while he sees deduction of {$1000.00} from my wallet balance but he do n't see any transaction. So basically now google seems to be in a denial mode for any existence of a transfer. However since the supervisor could see deduction, he mentioned that he is going to escalate the issue t o Tier-3 support an d advised me to wait again.     I am writing to CFPB to provide help in getting the money refunded back eith er to Google Wallet balance or the bank account it was being transferred to but not stuck somewhere in google IT systems on support who have no clue. This issue has taken a lot of time and mental troll due to being with Google support via email/chat/support.
Consumer complaint received 2024-03-27
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. (MS)

I sent a letter to the bankruptcy court concerning the dismissed bankruptcies that have been added to my public records on my credit report. I was told that the court does not share this information with the credit reporting agencys. With that being said, XXXX, XXXX and TransUnion have violated 15 USC 1681i.
Consumer complaint received 2023-01-08
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. (FL)

am writing you with this formal objection of information published and provided by you to Transunion, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America keeps charging me the {$8.00} maintenance fee even though I did have at least {$500.00} in my account to satisfy the exemption. I keep trying to reach their customer service, but nobody is responding.