davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (SC)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

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 2023-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (CA)

I have an open account right now for XXXX and this is from some sort of medical service. It originated from XXXX XXXX California and I have never received a bill from this original company but it's in collections? I have always had medical insurance regardless and this is not something that I should be charged for or that I owe. I have attempted to dispute this charge multiple times since I do not owe this money. All of medical bills have always been covered by my insurance.
Consumer complaint received 2023-02-02
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. (MI)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX Balance : {$40.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (PA)

We have had a bad experience ( sinceXX/XX/XXXX ) with Stearns making sure our taxes are paid on time with our escrow funds. It has been very hectic and stressful following up with Stearns as many times as we have, trying to get the situation resolved. It started in XX/XX/XXXX when we were mailed a surplus escrow check that was over {$5000.00}. We immediately knew something was wrong and called customer service. The agent we spoke with ensured us that the check was correct, stating all of our three tax bills for the year had been paid. We cashed the check but knew the situation was not correct. In XX/XX/XXXX, it was brought to our attention that we had a large tax bill that was so past due, it was in the penalty phase. We contacted Stearns right away, asking that the bill be paid as soon as possible. Customer service asked us to submit a copy of the bill and we did so. We gave Stearns some time to review the bill and pay it. By this time, we were into XX/XX/XXXX and the bill still hadnt been paid. We became concerned the bill wasnt going to be paid before XX/XX/XXXX, when the bill would have gone to collections. So, we ended up paying the tax bill out of our own pocket, using the money from the escrow surplus check we received. In addition to this, we had to pay for all of the penalties that were associated with the bill. In addition to this, there was another tax bill that Stearns failed to pay. It was a much smaller bill, but it was also late and had late fees associated with it. I also paid for this bill out of pocket. This was an interim tax bill that Stearns claims they arent responsible for paying. However, I have spoken to agents at the tax office who said that IT IS Stearns responsibility to pay interim tax bills. The total for the penalties alone, between the two bills, was around {$800.00}. To date, XX/XX/XXXX, I have been trying relentlessly to get these penalties refunded to me. So far, not a single customer service agent has been able to explain to me why these tax bills werent paid on time. I have called Customer Service numerous times and continuously get the run around agents promising to call me back with follow up information, or saying they will have their supervisor call me and even saying the tax department will reach out to me to get the situation resolved. Im at my wits end and dont know what else to do. Im fed up with the whole process and lack of communication that Stearns has provided me with.
Consumer complaint received 2017-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CA)

I filed a chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a hearing on XXXX XXXX, XXXX. To figure payment to creditors and that totaled {$2400.00} a month as well as {$1500.00} mortgage payment. I had to submit a payment on the XXXX for {$2400.00}. My case was continued to XXXX XXXX, XXXX. Because I filed on XXXX XXXX, XXXX I was expected to submit another payment of {$2400.00}. Which was only 2 weeks from first payment. I am currently employed at XXXX XXXX and am a single mother to XXXX children. XXXX of whom is special needs, On XXXX XXXX, XXXX. I opened my home to a family displaced due to transitional housing cut backs.One person in that family has health issues and a XXXX. Due to this forclosure XXXX families became homeless during the Holidays and the cold of winter.. I have aquired my home with my husband during our marriage XXXX years ago, and seperated from him in XXXX. We are now going thru a XXXX, I originally left our home and rented a home with my XXXX XXXX XXXX daughter. We were evicted due to violent outbursts and destroying rental property by my XXXX XXXX son. Who is XXXX XXXX XXXX and very disruptive. He is a habitual XXXX caller. I returned back home to save it due to my husband unable to make house payment. I came back to a house that was destroyed.We had no water and no heat, and alot of damage. It took me 8 months to make the house livable again. After only 12 months me and my childrens home was sold at auction on XXXX XXXX, XXXX. What makes it so devastating was that I was never even notified of the sale date. Or given a chance to try at all costs to secure and save our home for my kids. The new owner just appeared on my doorstep unannounced on XXXX XXXX, XXXX at XXXX. She was threatening to evict me, and I had no idea that the mortgage company had even auctioned off my home. Because XXXX XXXX had accepted 2 payments in last 5 months, and then without notice sold my home out from under me. I can not rent due to my son and the eviction on my record. And now I have no idea what to do.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

After not using the business checking account for years, I decided to move some funds to a personal account within the same bank with better interest. After checking the minimum balance online, everywhere saying {$500.00} was the minimum balance needed, I moved all but {$1100.00} to the personal account. Now over 13 months later, I have received a payment to this business and went online to deposit only seeing {$900.00} and XXXX times a {$16.00} fee was applied to my account. This was when I first learned of a {$5000.00} minimum balance. No email or text was sent notifying me of any fee over the 13 months they continued to charge an unused account. Not even a statement was sent! In that time I received multiple emails and texts about my personal account, even about fees. Banks are required under Federal law to disclose any fees they charge in connection with a deposit account.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Social Security Number has been compromised, and someone fraudulently applied for a credit card with Capital One using my identity. The account numbers are : Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX However, the provided date of birth is incorrect ; my actual date of birth is XXXX. Additionally, I wasn't present in the USA at the time of the application, as I lived in XXXX until XX/XX/XXXX. I have my XXXX papers ( XXXX Form ) that states the date I arrived to the USA. ( find it attached ) I didnt have following addresses mentioned in the XXXX Credit Report ( under the reference number XXXX ) and XXXX Credit Report ( File Number : XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never had any of these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX After conducting an investigation, Capital One claimed it wasn't fraudulent and held me accountable for the {$8300.00} amount. They closed this case with reference number XXXX. Despite submitting evidence such as a copy of my driver 's license, proof of residency, and a copy of my SSN, I believe Capital One disregarded these documents. PLEASE, NOTE! I WAS BORN ON XX/XX/XXXX ( PLEASE SEE MY XXXX DRIVER 'S LICENSE ATTACHED ) AND THE SCAMMER WHO USED MY NAME AND SSN HAS XXXX, XXXX XXXX ON THE FILE
Consumer complaint received 2024-03-26
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. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account 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 of late for any purpose. So please remove any late payment that's reported on my credit report.

The only way a corporation can possibly report a payment as late under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted
Consumer complaint received 2024-03-26
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. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX Equifax Account names : XXXX Auto : XXXX XXXX XXXX -XXXX XXXX  : XXXX XXXX -XXXX XXXX : XXXX XXXX XXXX -XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX ***** XXXX XXXX XXXX  and AZ XXXX Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - XXXX XXXX XXXX section XXXX A states that I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my my written instructions. XXXX XXXX XXXX C ( A ) ( XXXX ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then XXXX years. - XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. ***** XXXX XXXX XXXX  XXXX and AZ XXXX XXXX XXXX  XXXX " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " *****
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir/Madam, I am writing to dispute two items that are currently listed on my credit report. The first item is a charge of {$1400.00} from XXXX XXXX, which was added to my credit report on XXXX XXXX XXXX The second item is a charge of {$530.00} from XXXX XXXX XXXX for XXXX XXXX, which was added to my credit report on XXXX XXXX XXXX 

Regarding the XXXX XXXX charge, I am unsure as to why this charge has been added to my credit report. My lease for the apartment in question ended on XX/XX/XXXX, and during my time living there, I always paid my rent on time. I do not owe any outstanding rent. 

Regarding the XXXX XXXX XXXX charge for XXXX XXXX I am a current customer of XXXX XXXX, and I have not had any outstanding debts with them. I can attached a copy of my insurance policy and a statement from XXXX XXXX confirming that my account is up to date as proof that this charge is inaccurate. 

I respectfully request that you investigate these matters and remove these items from my credit report as soon as possible. Please inform me of the results of your investigation and any actions taken to correct my credit report. 

Thank you very much for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2018-03-12
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: WELLS FARGO & COMPANY (CA)

Hi, I do not remember for applying Credit from following 1st and 2nd company.

I request you to pls remove off from my credit report. 
1 ) Wf Crd Svc : Inquiry Date : XX/XX/XXXX National Credit card Cos. 

2 ) XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX National Credit card Cos.

and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/XXXX Telephone Companies
Consumer complaint received 2023-02-15
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-05-21
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. (FL)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section .611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been over 60 days so they should have Been deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX date breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (NJ)

The problem is with XXXX XXXX XXXX XXXX. 

I live in XXXX XXXX, NJ. My employeer is also located at XXXX XXXX, NJ XXXX. The transactions attached and below are made so far from my hometown and these are not possible that I did and that confirm that XXXX XXXX XXXX XXXX has SCAMMERS to take money out from people cards. 

XX/XX/XXXX I didn't get my {$400.00} at XXXX XXXX XXXX ATM. The transaction was declined. 

XX/XX/XXXX I see the transaction was done by Someonelse stoling my money {$400.00} from the ATM located in XXXX so far from my home ) even is another state where I live and that day I was working, even I never go to XXXX. ( Attached are the transaction ) XX/XX/XXXX - XX/XX/XXXX Scammers are trying to taking more money at XXXX 's ATM ( XXXX XXXX and XXXX XXXX ATM 's ). So far from my house.. 

I have called thousands of times but nobody 's replied me back. And my dispute was declined without any written notification.
Consumer complaint received 2023-06-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

You are reporting a DELETED account from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY update/correct the account as soon as possible.XXXX XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2024-03-26
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. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Trans Union XXXX XXXX Account names : 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  and XXXX  XXXX XXXX XXXX was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - 15 USC 1681 section 602 A states that I have the right to privacy. -15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions. -15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years. - 15 USC 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 any reasonable cause to believe that the information is inaccurate. ***** XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " *****
Consumer complaint received 2023-02-02
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. (FL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Certain accounts listed are inaccurately reported.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EUSTIS MORTGAGE CORPORATION (OH)

On XX/XX/XXXX {$1400.00} was sent from my escrow account to XXXX XXXX, a company with which I have no policy or dealings. This payment was in error. {$1400.00} was the amount of my most recent policy premium for XXXX XXXX XXXX ( XXXX ), who I did have a policy with. Additionally {$1400.00} was sent to XXXX on XX/XX/XXXX, which was correct. In XX/XX/XXXX I contacted XXXX XXXX XXXX, which was loan servicer for Eustis Mortgage until XX/XX/XXXX, then Eustis Mortgage monthly from XX/XX/XXXX for resolution of this matter. I have been told each time that this issue is under review and that I would receive a call from a supervisor. In XX/XX/XXXX I filed an 'official complaint ' with the company and have not received a contact since then. I am seeking to have {$1400.00} posted to my escrow account.