davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint as an individual consumer. After examining my credit report, I noticed erroneous late payment entries. Despite sending written correspondence over 30 days ago, I have not received a response, nor have they provided adequate validation for these inaccurate entries. I respectfully request your intervention to facilitate a resolution to this issue.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (MS)

There are some inquiries on my report that, after contacting the company and trying to get more information and remove the questions, they were unable/refused to say I had to file an FTC report XXXX I have attached a copy of the Identity Theft report and a copy of my ID. The fraudulent accounts are as follows : XXXX XXXX XXXX inquiry on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX ; XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX ; XXXX XXXX inquiry on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was pre-approved when I purchased my home, so I never gave my info to have them check for financing. When I called the lender, they confirmed they never tried to run my credit because I had a pre-approval covering the home 's cost. With that being said, the inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency. The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I 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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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 2023-06-22
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)

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} ; Inquiries : XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry DateXXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-15
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: ID Analytics, Inc. (TX)

On   XXXX    XXXX , 2017 I received an email from   XXXX   saying that they could not approve my application. The fact is I never submitted an application with them. They also said that SageStreamLLC provided them with my credit report. I never authorize   XXXX   to pull my credit and I did not authorize this SageStream, the credit reporting agency to provide my information to them. I feel that I should be compensated for this unfair invasion of privacy
Consumer complaint received 2022-11-24
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. (NY)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items right away! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-18
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. (FL)

XX/XX/XXXX I disputed a XXXX $ late payment on my credit card on a card I barely use. I paid it after they hit my credit score about it and it was on my credit report as unpaid and missed. I paid it, then I tried to talk to the creditor about the accident and I did setup payment reminders on that card but they were unable to update the payment from missed or forgive the remark. XXXX $ XXXX time missed payment is not indicative of how trustworthy I am with making payments over my going on 10 years of making payments on time. It should be able to be removed and not drop my credit score XXXX points. 

The creditor is discover credit card. Overall theyve been my worst creditors out of the 2 credit cards I have open in how helpful they are and how their benefits work is hard to understand. To me it feels a little more personal because I use the card in instances I have no other option just in case so I barely use their services.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to address a recent dispute regarding information on my credit report dated XX/XX/2024, that

I received via mail. In this correspondence, I specifically requested details about the verification process TransUnion used to confirm the accuracy of the bankruptcy information reported. I want to clarify that my concern is not about the existence of a bankruptcy filing but rather the accuracy of the associated accounts listed. Upon reviewing the report, I noticed discrepancies regarding certain accounts linked to the bankruptcy which I believe to be inaccurate. I previously provided TransUnion with a copy of my bankruptcy report and the list of accounts included and the accounts that were not
included in XXXX XXXXHowever, the response to my dispute stated that the information had been " verified as accurate. '' I am now seeking further clarification on this verification process.

I kindly request that TransUnion disclose the name of the representative who communicated with the U.S. Bankruptcy Court and also the name of the representative from the U.S. Bankruptcy Court that provided any details from the bankruptcy and the date on which this contact was made. Merely providing the name, address, and phone number of the bankruptcy court is not sufficient proof of validation for the accuracy of the information on my credit report as per credit laws.

It is important to note that I have received a letter from the U.S. Bankruptcy Court explicitly stating that they do not report to any credit reporting agency. Additionally, when reaching out to the US Bankruptcy Court on number provided by TransUnion in my recent correspondence letter, it was confirmed on a recorded call that they do not have any affiliation with credit reporting agencies, making it very clear that no information in regard to the bankruptcy filing was disclosed.

This communication marks my third and final attempt to obtain the necessary information regarding the verification process. If TransUnion is unable to provide the requested details, I respectfully ask that the bankruptcy and all associated accounts be removed from my credit file. Reporting false information is a violation of the law, and I am entitled to accurate and verified information on my credit report.

I appreciate your prompt attention to this matter and look forward to your response within the timeframe prescribed by law.
Consumer complaint received 2017-11-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I am the seller. The buyer is a XXXX veteran, who contracted to buy our home. 
XXXX chose to use Chase Bank for the VA loan. XXXX has been getting pushed around by Chase repeatedly being asked for multiple documents a few days before closing. 


Here is the situation : Seller accepted a position in another state in XXXX. The condition of employment was to obtain full residency. House was contracted to buyer in early XXXX with a closing date of XXXX. 

New employer flew seller back Thursday, XXXX to complete the closing and to be present on site for the movers that were assigned to move XXXX 's family belongings. 

Seller 's realtor attempted to contact the loan XXXX, XXXX XXXX several times to get confirmation of the closing. XXXX finally received communication on Friday afternoon, XXXX. XXXX business days before scheduled closing. Chase loan XXXX provided no information as to why. 


Detrimental Repercussions : Documents were signed off with the movers ( XXXX XXXX XXXX ) with an estimated delivery date of XXXX to sellers new home in Arizona, which was scheduled to close XXXX Due to last minute of change : o The contract with new home is hanging by a thread and could potentially kill the deal. 
Sellers will not have a place to live, which will cost seller hotel fees until such time we are able to find a place to rent Moving company, XXXX XXXX XXXX is quoting us an estimated cost of {$3700.00} for storage which my employer will not pay Seller will lose our money paid out for inspections Seller loss of XXXX loan application fee and XXXX have to start from beginning Requested Chase to help and escalate. XXXX will not respond to any calls or emails. Loan XXXX will not speak to anyone. 

Resolution we are requesting : XXXX at the end of XXXX week or very early week of XXXX OR XXXX and reimburse us for fees due to XXXX not communicating and not completing on time
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I began to have issues with my account when I purchased items online and then returned them. I made a purchase from XXXX XXXX on XX/XX/2022 for {$170.00} and made purchase from on XXXX XXXX XXXX for {$120.00}. I returned XXXX items and was issued a credit of {$120.00} from XXXX. However, the credit was supposedly applied to XXXX for {$120.00} took the balance {$2.00}, Now after months {$53.00} balance that has reappeared. There was another credit is from XXXX on XXXX XXXX for {$230.00} however, the items were billed as XXXX different transaction instead of XXXX {$76.00}, {$97.00} and {$65.00}. The items for {$97.00} was fully returned and a additional {$20.00} was issued for sale adjustment. I ask to explain were the XXXX was applied, no one could explain. So the credit of {$110.00} was issue towards the balance of {$230.00} purchase. I ask if this credit was applied correctly the said it was correct and the rep filled out a dispute. I have spoken to several reps who state that credit are being issue just to other things on your bill. I asking for all the XXXX, XXXX and XXXX 's item to be researched. Also, ask that all credit that are issue are issue to the out balance from the merchant that issue it. They keep adding back items by miscellaneous adjustment and it is not adding up correctly. I really dont understand how I and getting rebilled for {$53.00} after contesting the credit that should have been a XXXX XXXX credit.
Consumer complaint received 2021-12-31
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. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I had " Auto-Pay '' set up to automatically pay my monthly AMEX bills in full. Due to a mistake committed by my bank from which the Auto-Pay was set up, AMEX has been wrongfully charging me repeated LATE FEES and INTEREST CHARGES despite me calling them numerous times and paying my statement in full. AMEX is wrongfully engaging in predatory business tactics and illegally charging fees and interest.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (LA)

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 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 2023-05-18
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-12
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. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THIS LATEPAYMENT ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2023-06-22
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. (CA)

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : 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 2024-03-22
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. (NJ)

I Reviewed My Credit Report On XX/XX/2024 And Noticed Several Inaccuracies For The Below Referenced Account ( Details Listed Below ). According To The FCRA, Whenever A Consumer Reporting Agency Prepares A Consumer Report It Shall Follow Reasonable Procedures To Assure Maximum Possibility Of Accuracy With The Information Concerning The Individual To Whom The Report Relates. 

XXXX  XXXX XXXX The Open Date Is Not Reporting Accurately, The Date Of Last Activity Is Not Reported Accurately, The Closed Date Is Not Reported Accurately As All Dates Are Inconsistent For All 3 Bureaus.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (NY)

I have a loan with XXXX XXXX FINANCE. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$3400.00}