davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I noticed on my account webpage 3 charges that I did not make. As soon as I noticed these charges, I alerted Bank of America. The charges were made XX/XX/22 and XX/XX/22. I explained that my credit card number was stolen, stated that I did not make the charges, and asked for a new account number and credit card to be mailed to me. The representative issued me a new account number and told me that a new credit card would be mailed to me. A temporary refund was made for the disputed charges. 

Today, I received a letter stating that my charge dispute was denied and that I would have to pay the {$710.00} and that it would appear on my next statement. The reason issued was that the goods were delivered and, therefore, I had to pay for them. 

These goods might have been delivered but they were not delivered to my address. Every online purchase that I make is always delivered to my home address and these items were not delivered to my home address. 

I am extremely upset that my charge dispute was denied. I have not made prior purchases at these retailers at which my card was fraudulently used : XXXX XXXX, XXXX XXXX and XXXX. 

All of these transactions were identified as online transactions and, therefore, no signature was captured for any of them. 

Bank of America is holding firm that I made these charges and I absolutely did NOT make these charges. I use the credit card frequently and have placed many, many charges on it. I did not, however, make these charges. 

I hope this issue can be resolved and that Bank of America will acknowledge that I did NOT make these charges and that these items were never delivered to my residence.
Consumer complaint received 2023-02-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

So my problem is a general problem with all 3 bureau 's. I want to know how a company that you may have been making monthly payments to like a utility company for instance for 20 years never has to report your good 20 year history but when you leave them and don't pay the last bill they can report that. 
this is supposed to be fair trade, I believe and will argue and go to court is needed that if a company is not required to report your good payments they should have no right to to report anything period. 
all your loans, credit cards etc. have to report every month why should these companies not be required to do the same.
Consumer complaint received 2024-03-25
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)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MO)

We are trying to complete a short sale with XXXX XXXX thru their sevicer Nation Star mortgage. They ordered a brokers price opinion and charged that fee against the mortgage payoff as a fee. When we asked to see a copy of the BPO that the homeowner paid for, they told us that they do not share that info with the homeowners. We have requested a copy 3 times from XXXX XXXX and one time thru Nation Star Mortgage and were told no each time. We would like a copy of this BPO report in order to properly dispute the value that was given by XXXX XXXX valuation dept. Can you please help us get what the home owner has a right to see since she was charged for it.
Consumer complaint received 2022-11-26
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. (VA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Consumer complaint received 2023-02-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

So my problem is a general problem with all 3 bureau 's. I want to know how a company that you may have been making monthly payments to like a utility company for instance for 20 years never has to report your good 20 year history but when you leave them and don't pay the last bill they can report that. 
this is supposed to be fair trade, I believe and will argue and go to court is needed that if a company is not required to report your good payments they should have no right to to report anything period. 
all your loans, credit cards etc. have to report every month why should these companies not be required to do the same.
Consumer complaint received 2023-06-15
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. (MO)

I am requesting regarding this issue that had never resolve by the credit bureaus, and for this, I am complaining these incorrect information on my credit file that containing some fraudulent items. I am not satisfied with the performance of the credit bureaus in deleting some of these inaccurate items and there are some that are still on my credit report. These inaccurate information are really affected my credit score. I really believe that these items are fraud and I don't want to be a victim of identity theft. Remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-26
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)

XX/XX/22 I alerted each of the bureaus that I am a victim of identity theft and that 15 US Code 1681 c 2 says that they have to remove and block the items within 4 business days. The items remain on my report. XXXX XXXXXXXX XXXX accountsXXXX XXXX and 2 XXXX accounts are listed on my identity theft report. XXXXXXXX XXXX and XXXX have charged off both of the fraud accounts and sold them to collection companies. Despite doing this, they remain on my report. They are violating 15 USC 1681 e b by not reporting accurate information. Each of the accounts listed on my identity theft report are also violating 15 USC section 604 a section 2. Nobody can furnish an account on my credit file without my written permission : I have not given anyone written permission. XXXX XXXX and XXXX are committing tax fraud by reporting these accounts. According to the IRS, these accounts are considered income.
Consumer complaint received 2024-03-25
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)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-04-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (MI)

XX/XX/XXXX, I bought a XXXX XXXX XXXX from XXXX XXXX XXXX. It was financed by Exeter Finance ( TX ). My note was {$400.00} a month. By XX/XX/XXXX, the XXXX was repossessed ; then sold to someone else. My last ( {$400.00} ) payment was around XX/XX/XXXX. XXXX months of nonpayment is {$1200.00}. Not {$5000.00}. Simple math. Accurate information. My account was closed by Exeter, filed with XXXX credit bureaus ( XXXX, XXXX and XXXX ), and now being pursued by debt buyer XXXX XXXX based on false information. The ( {$5000.00} ) amount owed is wrong, not true. Credit bureaus, especially XXXX, never categorized it correctly on my report. It was never reported or filed as a vehicle repossession. Ive made several attempts ( submitted many disputes with supporting documentation ) from XXXX to have it updated or removed. XXXX picked up on my falsely reported and classified ( {$5000.00} ) account in XXXX, I think. Recently, I filed another dispute. Credit bureaus and XXXX keep moving the goal post. Now this verified and updated account is dated XX/XX/XXXX. So itll be another XXXX years before it comes off?! If I shut up and dont challenge them then itll stick and just be on my report until XXXX?! Thats XXXX years since I bought the car. It will be XXXX years since the XXXX was XXXX and sold to someone else. Thats insane!! This is harassment!! Isnt this breaking or violating a law?! Predatory lending and collection practices. Discrimination. XXXX sure not all repossession accounts are handled like mine. Credit bureaus are determined to let false reports, records, and debts negatively impact my credit score. For a while, my credit score was almost XXXX. Now I cant possibly finance a home with my current credit score or this stain on my credit report. Due to these false claims and financial predators, my credit has dropped to XXXX, according to XXXX. Theyre attacking my credibility! They keep their foot on my neck with frivolous charges! Just cant get to a XXXX XXXX XXXX ; regardless to what I do to counteract this {$5000.00} lie! XX/XX/XXXX, I bought a car. XXXX still paying on it. My XXXX XXXX averaged XXXX while I was in college with a newborn. Now my outlandish student loans are being addressed and have been updated steadily for the last year. But this random, inaccurate {$5000.00} car debt is still on my credit report?! XXXX years later?! Nothing has changed in XXXX years. This SHOULD NOT be allowed to happen!!!
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (MO)

Experian failed to provide proof of their investigation and evidence of negative items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to be provided with these items as requested. 

I sent the first dispute letter to Experian on XX/XX/XXXX via regular XXXX mail. On XX/XX/XXXX I received Report # XXXX with the investigation results without any proof of the " Updates '' they found to the items I disputed. 
Please see attached : -Copy of letter ( which includes proof of identity and proof of address ) -Copy of Certified Mail Receipt -Copy of Certified Mail Return Receipt with Proof of Signature On XX/XX/XXXX I received Report # XXXX from Experian with my Dispute results with all disputed items remaining and " Updated '' without any proof of investigation nor proof of late payments/validation.
Consumer complaint received 2017-07-15
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. (LA)

I have asked Transunion to please take several addresses off off my report and they still are not being compliant. I also have disputed inquiries that are to fall off as of this month and they are not being compliant on that either. I am trying to apply for a home and auto interest rate reduction and this is affecting my score bad.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

Quicken Loans will not remove my PMI from my billing. I 've reached a little below 78 % LTV recently, never missed a payment for over 5 years in my home, paid ahead of schedule with my principcal, and they still say that XXXX XXXX requires a home evaluation ( at my expense! ) before they can cancel the PMI. This is outrageous that I have to waste more of my money. They say it will not be removed until XXXX 2012 ( almost another 4 years! ) unless I get a home appraisal. They say that the 78 % requirement is based on natural amortization of the loan. Additional principal payments to speed this up are not taken into consideration. This is just a barrier to make it more difficult for the home owner so that they can keep receiving the PMI.
Consumer complaint received 2022-11-25
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: ALLY FINANCIAL INC. (TX)

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XX/XX/XXXX - XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXX - Ally Financial ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXX - XXXX XXXX Services ( XXXX XXXX XXXX ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Consumer complaint received 2024-04-16
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: CREDIT ACCEPTANCE CORPORATION (LA)

I was trying to buy a house and I realized I had damages on my credit report. According to the 15 U.S.C 1681 law, there should not be anything damages on your report. Its a defamation to my character.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TN)

Violation of code 1692 g. Zero documentation or original contract provided. You deal with overseas reps who do not care.

Violation of code 1692 e. 

Company is not licensed in the state of TN for debt collections in addition to everything else.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX I have opened an Accelerate Savings account with CitiBank N.A. On XXXX XXXX, XXXX the account was blocked for suspicious activity, with a balance of at least {$10000.00}. On XX/XX/XXXX ( approx.. ) the account was closed post Fraud Review and a closing check of {$0.00} was mailed to my current address. 
There have been multiple follow-ups with Fraud Alert team, post receipt of check, in the month of XX/XX/XXXX and then XX/XX/XXXX to learn a request has been raised with backend team but no tracking number has been provided and to follow up after 3-5 business days. Last call attempt was made on XX/XX/XXXX, CitiBank associate has also confirmed a balance of {$10000.00} available on the account. 
On XXXX XXXX, XXXX a deposit was made from personal XXXX  XXXX XXXX checking account, on XXXX XXXX, XXXX a failed deposit attempt was made from personal XXXX checking account. On XXXX XX/XX/XXXX CitiBank savings was put on Fraud Review Hold with no access to online account, deposit and withdrawal was blocked as well. 
Fraud review was closed on XX/XX/XXXX ( approx.. ) with {$0.00} balance in account. 
Account was closed in XXXX, a closing balance check was mailed/received on XX/XX/XXXX with {$0.00}. 
Im still waiting for {$10000.00} amount to be refunded, all transactions were made from online Citibank portal and all deposits from personal account. There was never a suspicious transaction happened from me.
Consumer complaint received 2022-11-26
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. (TX)

Im submitting 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 : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1700.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX Balance : {$960.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$870.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 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 2017-07-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KS)

Original Loan :  XXXX - XXXX  Amount : {$35000.00} Deferred for 2 years.
Income based payments for 4 years.
Have paid on a normal, regular payment plan ON TIME and MORE than required monthly for FOUR years. Total debt amount has NOT gone down. It goes UP and they claim interest reasons. There is NO WAY this can be correct. I feel this is shady and it needs looked into.
Company :   XXXX   XXXX  , now Navient
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX  XXXX 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 2017-07-15
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. (PA)

XXXX    XX/XX/XXXX -  did not authorize   XXXX   XXXX      XX/XX/XXXX - Did not authorize   XXXX   XXXX   XX/XX/XXXX - did not authorize  XXXX  XX/XX/XXXX  - did not authorize   XXXX   XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX      XX/XX/XXXX  - did not authorize  XXXX     XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with transunion in the summer of   XXXX   and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.