davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I did not consent to these inquiries and they need to be removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. It is my understanding that you will check these items with the person who has posted them. Please remove any information that the you can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period. 
You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 


-- - 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 2022-11-22
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. (PA)

Intent to file suit : violation of the FCRA Notice XXXX XXXX : XXXX am making this document on my only accord and will, no third party was used to make this notice. I have filed multiple CFPB COMPLAINTS this year about the organization named Transunion, XXXX, and XXXX, plus I sent previous letters, all by certified mail requesting that they stop furnishing inaccurate information on my consumer credit report and they have failed to do so. Exhibit A is attached, I can show a judge that these accounts are STILL inaccurate after 9 months of sending letters and filing complaints and that you violated the Fair Credit Reporting Act.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through XXXX currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept ED/ XXXX which is XXXX. 

XXXX  status should be reported as closed - Transferred. 

XXXX - should show is open. 

However, my credit report shows ( 5 ) XXXX accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ XXXX is the same exact XXXX open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.
Consumer complaint received 2020-02-20
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: Commerce Home Mortgage, Inc (NM)

Commerce Home Mortgage located on XXXX XXXX XXXX XXXX # XXXX XXXX, NM XXXX ran a hard credit inquiry on my credit on XX/XX/2020 through the credit reporting agency XXXX XXXX XXXX. This credit check was not requested or authorized by me. On XX/XX/2020, I made contact with XXXX XXXX Mortgage  Advisor Assistant who claimed this inquiry was not a hard credit inquiry and was ran as a refreshment inquiry to see if they could provide me with a better loan rate. I advised her that this was reflecting as a hard inquiry on my credit report which lowered my credit score and I needed this to be cleared from my report as I did not request or authorize this credit check. XXXX stated that my credit should return to normal soon and could not provide any assistance in this matter, she could only say sorry for running my credit without permission.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PARKSIDE LENDING, LLC (TN)

I am writing to file a formal complaint against Parkside Lending regarding their inaccurate reporting practices and potential violations of consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I discovered discrepancies in the information reported by Parkside Lending on my credit report. Specifically, Parkside Lending has inaccurately reported a 30-day late payment for XX/XX/XXXX, despite not holding my loan during that period. My loan was transferred from Parkside Lending on XX/XX/XXXX, making it impossible for me to have had a late payment with them in XX/XX/XXXX. 

This false reporting by Parkside Lending has had severe repercussions on my creditworthiness and financial standing. The inaccurate late payment entry has unfairly tarnished my credit report and has the potential to affect my ability to obtain credit or loans in the future. 

I have attempted to resolve this matter directly with Parkside Lending but have been met with resistance and insufficient action to correct the inaccuracies on my credit report. Despite providing evidence of the inaccurate reporting, Parkside Lending has failed to take appropriate steps to rectify the situation. 

I believe that Parkside Lending 's false reporting of a late payment constitutes a violation of my rights under the FCRA, which mandates that information reported on consumers ' credit reports must be accurate, complete, and not misleading. Parkside Lending 's failure to adhere to these regulations has caused significant harm and distress to me as a consumer. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take necessary enforcement action against Parkside Lending for their inaccurate reporting practices and potential violations of consumer rights under the FCRA. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring that consumers are protected from inaccurate and unfair reporting practices by financial institutions.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (NJ)

Trying to purchase a car and I realized I had damages on my credit report according to the 15 U.S.C 1681 law there should now be any damages on my report. Its a defamation of my character
Consumer complaint received 2020-04-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocket Mortgage, LLC (CA)

All we want to know is for whom you bank through. During this crisis only XXXX  XXXX XXXX isn't forgiving and late charges or overcharges during this time of such Pandemic. Who do you bank with and if we're late, are you to forgive such overages and extended interest rates on your end? Please e-mail me, XXXX XXXX, with such specifics. If you do deal with XXXX XXXX XXXX, we'd like to reapply with another firm. 

So honest and true, XXXX XXXX
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I was approved for the XXXX XXXX XXXX XXXX XXXX, with 6 months of payments starting XXXX XXXX has confirmed that they sent out the payments on XXXX  and confirmed the address to which the payments were sent. They have also been paying my utility bills- which were already received this month. 

When I call Loan Care, they state that they havent received my payment, nor any notice of my involvement in the programXXXX XXXX says the opposite and that Loan Care just hasnt applied my payment yet. Every time I call, I receive a different answer from customer service. As the end of the month is approaching, Im afraid that the payment wont be applied to my mortgage and penalize my credit score.
Consumer complaint received 2017-12-27
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: Experian Information Solutions Inc. (MN)

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XX/XX/XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from Experian and XXXX . They are all dated for the year of XX/XX/XXXX and XX/XX/XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
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. (LA)

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 Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXXXXXX XXXX  Account numberXXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX  Account numberXXXX, Account name : XXXXXXXX XXXX  Account numberXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: New Mexico Educational Assistance Foundation (CO)

I am getting calls everyday. I ca n't access my account online, the customer sevicers are rude. My payments do not show on he statements I am given and since I can not login to my account they have made it very difficult for me to keep track of my payments and charge me without explanation.
Consumer complaint received 2022-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IL)

MOHELA is my student loan servicer. I have sent them a message and I've tried to call them to inquire about my income driven repayment plan recertification date. My account says the recert date is XX/XX/2023 but the student aid.gov website has mandated that recertifications are pushed out until at least XX/XX/2023. I've tried calling them many times but there is a complicated convoluted phone tree and I am unable to be able to get through to an agent to discuss the situation. I've also had my phone call dropped numerous times when I tried to recall them. The automated system states that my income driven repayment date is XXXX XXXX and that if I don't recertify then my payment will jump up to {$1400.00}. I am terrified because I would be unable to afford that.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC (GA)

A collection was filed with Berks Credit and Collection in XX/XX/2015. I was not made aware of a collection and there was no attempt on the part of Berks to contact me, although they claim to have sent XXXX letter in XX/XX/2015. This letter was not sent via certified maiI and, per an employee at Berks Credit and Collection, was sent to an address I had not been associated with for almost 3 years. In order to speak with the collection agency, I had to call Equifax for the company information. I first spoke to XXXX XXXX and asked her to remove one of the collections showing on my credit report since, for whatever reason, the same collection had been reported twice. She refused and told me to take it up with the credit agency. XXXX already told me the duplicate is because of an error from Berks and they can not remove it, only the reporting collection agency can. I then asked XXXX to remove the collection from my credit report when I pay and she refused that as well. She would not give a reason as to why they would not remove the collection when it would be satisfied today after I had to reach out to them. The call was ended so I called back and spoke to XXXX XXXX who was equally rude and condescending. XXXX ended the call with me as I tried to question the company practice of reporting paid in full versus removing the debt collection from the credit report. I want to understand this practice before the account is paid in full. Once reported tot the Better Business Bureau, the company responded by stating they will remove the duplicate account from my report since it was an error made on their end that has caused XXXX hits to my credit, but they have not addressed the fact that I was not given proper notice of this collection before it was placed on my credit report. In speaking with XXXX XXXX, Berks Credit and Collection admitted to sending a letter in 2015 to an address that I had not been associated with in almost 3 years. This letter was not sent certified mail and XXXX stated, " We ca n't send everybody with a collection a certified letter for their collection. We send a letter and if it does n't get returned, we assume it was received ''. I explained this is a poor assumption as mail is lost or thrown away all the time and there is no way to account for if someone received the correspondence unless it is signed for. XXXX continued to be rude, condescending and disrespectful on the call and threatened to end the call when I told her that she needed to watch her tone and attitude when speaking to a customer/client. Since proper notice of the collection was not given prior to the collection being placed on my credit report, it should be removed from my report altogether upon payment.
Consumer complaint received 2022-11-22
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. (TX)

On XX/XX/XXXX I contacted TransUnion about the following negative 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

This incident related to American Express XXXX XXXX XXXX XXXX. Estimated impact due to the issue is about XXXX dollars rewards dollars XXXX corresponding XXXX from two statement cycles, and annual fee I paid for the benefit that I did n't actually receive. 

I converted my account from blue cash card to blue cash preferred card upon receiving an offer from American Express. Before I taking the offer, I made calls to American express to ask if I transferred to blue cash preferred, will the XXXX dollars grocery yearly limit start from calendar year ( meaning XXXX/XXXX/XXXX ) or the production conversion date. I was told that once I convert, I will receive new benefit that 6 % cash back on first {$6000.00} dollars counting from product conversion date. ( I have American Express Chat screen shot as evidence ) But after I converted the product to preferred card ( paying XXXX dollars annual fee ), and I did n't get 6 %, I was told the reason is that I have already used up XXXX dollars limit, therefore I only get 1 %. This is DIFFERENT from what I was told when I upgrade my card to the preferred version with an annul fee. 

I gave Amex a call, and got transferred to multiple department, then I was told they are going to submit a case review, and the case review can take XXXX8 weeks. In the meanwhile I am still paying card annual fee without receiving any benefits.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. the same account is displaying different account types and balance. but still see inquiries on my account, as a Victim of fraud, other institutions, used and complied incorrect information about me with out given consent make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, XXXX XXXX  did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA My address was not updated
Consumer complaint received 2017-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (MS)

I volunteered to give my XXXX XXXX XXXX to Ally Financial in the year XX/XX/XXXX, however, the amount on my credit report from the company is the entire amount I paid for the vehicle. Ally arranged a tow truck to pick up the vehicle from the XXXX Dealership while it was being repaired. When I called the company to inquire about the amount added to my credit, the company can not find any information that I had an account there or owe any money to them. I have been trying for 2.5 years to resolve this matter and no response.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXXXX**** XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX