davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the XXXX XXXX XXXX. This statute, which is part of the XXXX Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any XXXX  from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX/XXXX  and XXXX XXXX XXXX accounts continue to reappear on my credit report after being disputed and resolved as being removed and deleted from my credit report from TransUnion. It had caused me adverse actions and obtaining the appropriate credit I deserve.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2024 I submitted a notarized letter to XXXX directing them to remove all old address, incorrect name, and outdated telephone numbers from my credit file. I included with the letter, documentation to prove my identity as well as to coincide with the request in question. I contacted the XXXX Police Department on XX/XX/2024 about a case of identity theft at the address listed on my request to XXXX and a report was created for identity theft. I followed all proper procedures and policies to get XXXX to remove the old ( outdated ), inaccurrate, incorrect, and fraudalent information from my credit profile ; but to no avail. The fraudalent information is still listed on my credit file and is causing me undue harm and financial hardship. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). My identity was compromised in the XXXX data breach, and its the ( CRAs ) responsibility to correct erroneous errors which cause harm to the consumer.
Consumer complaint received 2024-03-28
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. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

After the attached were sent, I kept getting calls from Comenity asking if I'd like to pay the amount owed for both XXXX and XXXX bills over the phone. I told them every time, there is a dispute going on. See the page from the bank statement that the XXXX bill was not only paid, but it was received 2 days before the due date. I mailed in a check, but they posted it as if it was done through a clearing house so I'm not able to get a copy of the check. As for the XXXX payment ( which was for the XXXX and XXXX bills ), I mailed a check for the {$640.00} payment on XX/XX/XXXX and as of today, XX/XX/XXXX, my bank statement still isn't showing receipt of my check, I received my XXXX bill from them ( I haven't used the card since the XXXX charges ) and XXXX was just more interest, fees and service charges added on. 

Comenity took over the XXXX credit card account from Bank XXXX XXXX in XXXX and one of the reps that I have spoken to said that since the take over, there have been problems. Also, I received ( as I'm sure other cardholders did ) a letter from the President of Comenity saying there are " intermittent problems ''. This seems to be a problem from their side, but yet myself and I'm sure other cardholders are left with the burden to prove that bills were paid.
Consumer complaint received 2022-12-20
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : 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 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

On XX/XX/2021 I sent a letter to XXXX  and Equifax requesting for further review as to why the US DEPT OF ED still reporting payment history on a " Charged off Account '' the section that shows late payments and CO should in fact be removed per the FCRA and FTC.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This last two weeks with Bank of America has been the worse. They dont value nor protect their customers identity or information. My wallet was stolen on XX/XX/2022, and BOA was made aware of the situation in person and over the phone on XX/XX/2022. I spoke with a representative in the fraud department who advised me that they would make sure that my account had added protection due to the fraud. Well fast forward a week later I received 4 emails one stating that my account was pending, account approved, verify your email, and welcome to online mobile banking. Well because I have not opened up any other account with this bank I immediately called to expressed my concern that I had not opened up an account. They transferred me to the fraud department who decided to search further based off of my social security number and seen that the account was opened with an address in another state. The issue here is how did their system allow someone to open a bank account in my name using my social. Another issue how is it I requested to dispute international fees that Im being charged incorrectly and being advised that I have to follow up with the third party. Thats not my job and no one has the right to tell me that I cant file a claim. Not to mention within all of this I go to one of their atms and my money gets stuff and Im waiting at the XXXX  for over an hour for someone to resolve the issue. This bank is horrible and I can see why they have so many lawsuits. I want all of those international fees refunded immediately, a call apologizing for allowing some to open an account in my name, and acknowledgement that they dropped the ball.
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AK)

My name is XXXX XXXX and I bank with Wells Fargo in XXXX XXXX XXXX XXXX. I have have paid the bank several hundred dollars in overdraft fees. Now it is XXXX and my acount is overdrawn XXXX and the bank is refusing my overdraft during XXXX. My overdraft is usually XXXX. After I knew my acount was overdrawn because of a plumbing issue I paid my electric bill and phone bill totalling less than XXXX in overdraft and the bank did not pay them. I support XXXX souls.
Consumer complaint received 2022-12-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Account is reporting 120 days late and loan modified. That is incorrect. THis loan was paid in full never late, and transferred to lender current.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

Please note I am still in the pre-approval process for a mortgage and have not even started to view homes. 

I was contacted by an individual regarding my mortgage application and believed it to be a person from the company I was already working with. It was not and they charged me a {$500.00} application fee. Once I realized it was another company trying to scam me, I asked to have the application cancelled and the fee refunded. During a call with customer care, I was told that it was not an application fee ( since to my understanding is not a legal fee ). However, I have the following email which describes it as an application fee : XXXX XXXX, This is a receipt for a charge in the amount of {$500.00} to your credit card ending in XXXX. 
This charge was for your XXXX XXXX. 
If you have any questions or concerns regarding this charge, please contact XXXX XXXX. To ensure accuracy, please use your XXXX XXXX. XXXX as a reference. 


Warmest Regards, XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX Desk XXXX Fax XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

We are a 501c3 organization Welfargo charges us a monthly service fee and they don't have close by branches XXXX  doesn't charge us a monthly fee being we are a non profit. The fee is {$12.00} a month.
Consumer complaint received 2022-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

Joint Consolidation Loan Act ( XXXX ) was passed 71 days ago, which means there is a law put in place to separate Joint Spousal Consolidation Loans. However, there is no plan to date to implement this separation. I have never been able to receive a pause in payment even now that I have a law passed to support me and my family. There is no equity in loan holders when my interest just grows on an administrative forbearance taken in XX/XX/XXXX and other loan holders enjoy the continued pause since COVID ( XXXX ). This is very frustrating and I would like to see something put in place to help those of us who have the support of a law that was passed unanimously through the Senate, then the House, and signed into law by the President.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Dear Sir or Madam : I had a home loan with Washington Mutual taken out in 2007 that was eventually taken over by JPMorgan Chase. When the recession hit I was offered a 3 month loan modification trial via email of roughly {$10000.00} per month which I paid in a timely fashion. It 's important to note that this was the last moneies I had. Once the 3 months expired I was not offered any modification but began receiving threats of foreclosure. I was forced to sell the home on short-sale and I lost the hundreds of thousands of dollars I put down for a down payment and the house as well. I ended selling the home for significantly less than I paid for it. As a result, I lost all of my money and, like many people during the recession, had to start from scratch which caused a huge burden on my family. I submitted full documentation when I received the mortgage and had the income and assets to receive the mortgage. My mortgage with WaMu was not subprime. I would like to be compensated by Chase for my losses. I lost my home, had to relocate my family, and lost all of the money I invested in the home. 

Thank you,
Consumer complaint received 2024-03-28
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. (ID)

I respectfully contest any inaccurate or undocumented information in my credit report. Unproven claims are unacceptable, and I demand factual evidence. Report allegations accurately and in compliance with the law.
Consumer complaint received 2023-08-16
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: Resurgent Capital Services L.P. (AL)

Company was dishonest as to stating they were following all guidelines required by the FCRA. Company is still in violation of Sec. 1681a. Definitions ; rules of construction which states The term Consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments consist of experiences between cras and consumer which are prohibited by the FCRA as provided below.
Consumer complaint received 2022-11-30
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ERC (KY)

I have spoken to T-Mobile and 3 different collection companies regarding a bill that was use without my knowledge from my ex-husband. T-Mobile has dropped and went to several collections ' companies regarding this matter. Phone calls are documented within the company that have proven this account was Soley used without my knowledge. This burden has not only been stressful, but it is causing me to be in a situation where I will not be able to purchase my home which could cause me and my children to be homeless.
Consumer complaint received 2021-07-31
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)

I just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX XXXX Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}
Consumer complaint received 2022-11-23
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. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-22
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.
Consumer complaint received 2022-11-23
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. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax, XXXX and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX  XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Consumer complaint received 2022-10-22
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)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.