davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (FL)

I am writing to bring to your attention an issue regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To date, I have not received any response from TransUnion. I am hereby providing the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$660.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report.
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I purchased a condo in XXXX for {$50000.00} with Wells Fargo as the lender with an XXXX APR. In XXXX, I did a [ mortgage ] re-modification loan under Wells Fargo XXXXs program to avoid foreclosure. I was told not to pay any payments until the modification went through. This process took relatively XXXX months with me sending paperwork back and forth. After the process, I noticed my payments went down roughly {$75.00} put my XXXX stayed the same which is what was odd at the time. My principal balance in the last quarter of XXXX showed a balance of {$45000.00}. However, when I filed in XXXX my balance was {$50000.00}. In XXXX Wells Fargo sold my mortgage to another lender XXXX XXXX XXXX which I was told that they had a right to and do it from time to time. Today I noticed that my principal is XXXX with XXXX. I recall Wells Fargo class action lawsuit where I received a small card and sent it back but never heard anything from it. I also recall a few banks such as Wells Fargo XXXX XXXX XXXX XXXX being sued regarding modification loans. I've been at my place for over 20 years and just paid {$3000.00} on my principal? I would like help regarding an investigation into this practice. As a minority, I should have at least {$10000.00} toward my principal. I feel that Wells Fargo has taken advantage of this situation and myself. After the class action lawsuits, it seems they sold my mortgage to perhaps cover this up. any help or leads regarding the next step will be appreciated.
Consumer complaint received 2020-12-20
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. (MD)

I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus XXXX, XXXX, XXXX credit report And equifax sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (GA)

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  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX XXXX XXXX with account # XXXX  opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX  Line of credit with account # XXXX  opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX  Unsecured loan with account # XXXX  opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Collection account from Unknown with account # XXXX  and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items on my credit report.
Consumer complaint received 2022-11-11
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. (CA)

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Transunion doesnt have any fear of neglecting this kind of complaint. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away. 

XXXX XXXX
Consumer complaint received 2023-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Upstart Holdings, Inc. (DE)

On XX/XX/2023 I received a letter in the mail stating I owe a debt from XXXX XXXX XXXX XXXX XXXX stating they are a debt collector the debt is XXXX. In which I have never gave consent to authorize to have my personal information according to the GRAMM-LEACH-BILEY ACT 15 USC 6801 i have protection of non public personal information. According to this law this company is in violation of my consumer rights I am asking this debt be deleted and a cease and desist. 

I am asking this company get correspondence from credit bureaus to get this matter handled
Consumer complaint received 2022-11-11
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. (CA)

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Equifax doesnt have any fear of neglecting this kind of complaint. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away. 

XXXX XXXX
Consumer complaint received 2022-11-11
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. (HI)

In aqccordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  '' : account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602A, states that i have a right to privacy. 15 U.S.C. 1681 section 604A, section 2 : it also states that a consumer reporting agency can not furnish my account information without my written instructions and consent.
Consumer complaint received 2022-11-11
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America quoted a wrong credit score to close my account. Several weeks later, BoA sent a letter apologizing for the wrong closure of my account due to a wrong credit score. Because my account is closed, I have lost over 10,000 points.
Consumer complaint received 2018-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc (MD)

I sent two validation letters by certified mail on XX/XX/XXXX and XX/XX/XXXX to Bay Area Receivables in XXXX, MD to receive proof that the debt of {$700.00} is actually mine. According to the FDCPA, I am entitled to request this information. I have received ZERO responses from the company and every month they are continuing to report this debt on my credit report.I am seeking legal action against them unless they remove this collection or send me some validation.
Consumer complaint received 2022-11-11
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5500.00}
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (TN)

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 XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX DHS Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for a home loan because of this negative item on my credit report
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America on XXXX XXXX in XXXX Washington has victimized me because of their Bank errors. I've had an account for XXXX month and I have been blocked from all internet transactions, the mobile app and having access to my money unless I go XXXX minutes to get to the bank. They had their information wrong somehow even though it was right in the beginning. They flagged my internet purchases that were for business and they should not have and they block me from the mobile app for no reason to. I don't know what the problem is but this was all Bank error and I verified that yesterday. They are acting like I was committing bank fraud until they apologize yesterday and now they will not let me close my account because they won't cash out the cashier 's check that I have for {$2500.00}. I want to close my account and I can't close it until that is gone I need that money out of there because I want to close this account I have never had such terrible customer service or been denied access to my own hard-earned money. Now it's a holiday and it's going to be until next week? I don't know what's going on there but this is wrong. I want to close the account I want them to point out the cashier 's check and give me my money. There is no chance that I have any fraud on my account and I want my money and I want to close the account and it's not right for them to block me from closing my account and having my money. I don't care what their procedure is about cashier 's checks I will sign off on anything and I've already explained that to them that this is all their error is the reason why this is even happening.
Consumer complaint received 2018-06-05
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. (GA)

XXXX XXXX - originally reported an account to the Equifax. It was a apart of an auto accident which settled. As a part of the settlement they agreed to delete the account from my credit file. They received the payment and removed the collections from their account and requested it to be removed from my credit report in XX/XX/2018. As of today, Equifax is still showing the collection. XXXX XXXX along with myself contacted Equifax. They stated they are still showing XXXX XXXX  reporting it. XXXX  stated to Equifax, it is not showing on their end and they are not reporting it. They sent a letter to Equifax requesting it be removed completely because it should not be reporting at all. Equifax is refusing to remove the collection. The amount is for {$31.00}. The original debtor was XXXX. Even through escalations to a supervisor and manager within Equifax, they still refuse to remove it even though XXXX is demanding it be removed.
Consumer complaint received 2022-11-11
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. (CA)

Shortly after the XXXX breach settlement of 2017 I incurred massive unauthorized charges across the board in my credit accounts and utility accounts. It is the fiduciary responsibility of all cras to look into the matter and make sure that it is available that. I have attached an FTC for report in regards to the manner and look forward to the resolution and the maximum time allowed by law 5 days being properly executed.
Consumer complaint received 2022-11-11
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. (CA)

Shortly after the XXXX breach settlement of 2017 I incurred massive unauthorized charges across the board in my credit accounts and utility accounts. It is the fiduciary responsibility of all cras to look into the matter and make sure that it is available that. I have attached an FTC for report in regards to the manner and look forward to the resolution and the maximum time allowed by law 5 days being properly executed.
Consumer complaint received 2023-11-03
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. (MD)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2022-11-11
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: EQUIFAX, INC. (NV)

I sent a letter to XXXX, XXXX and Equifax on XX/XX/XXXX. It been well over 30 days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage 97 % Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX XXXX usage 96 % Balance {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  XXXX LATE XXXX XXXX XXXX 3 % Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card XXXX  XXXX Balance details 3 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Unsecured Loan XXXX  Balance details 0 % paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Unsecured Loan XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2023-01-25
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. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.