davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}
Consumer complaint received 2023-05-09
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. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc. (MO)

I got a loan for a XXXX XXXX XXXX thru car mart located in XXXX mo in 2019. I had the XXXX for a week and the front end would make a very loud pop coming from the suspension when braking. I brought it back to them which I got hassled about it but they told me to leave it there. I came back next day the manager said they checked it out and they found nothing wrong. I took the vehicle and on the way home it popped again and over the next weeks it got worse. I finally called them and told them I didn't want it if they didn't fix it which I missed a payment they repoed it but they said they looked at it again and they didn't find nothing so I made the payment and got car back. It got worse so I told them I did not want it. They said no problem .I made a XXXX down payment plus 2 paymentswhicj my payments were {$450.00} a month They came got it they resold it and I was out {$1600.00} and got a report on my credit I'd like to have my money back and the repo taken off since they turned around and resold it and took my XXXX for a lemon
Consumer complaint received 2021-03-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XXXX i sent a letter to Transunion concerning the validation of several inaccurate and unverifiable accounts. They failed to act and respond to my dispute. I demand proof of how they were able to verify or show me their investigation. I am seeking litigation and i would would like those unverifiable, inaccurate, obsolete accounts remove my credit report.
Consumer complaint received 2021-07-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-12-17
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: Santander Consumer USA Holdings Inc. (FL)

I am a Federally Protected Consumer I sent notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim was disputed and validation is requested On XX/XX/2020, I mailed Santander a certified debt validation letter, cease and desist, creditor/debt collector declaration, and a requested information form. The letter was mailed was delivered and signed for on XX/XX/2020 at XXXX XXXX it has been over 30 days and I have not received any correspondence from them. I am a Federally Protected Consumer Santander account that needs to be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not have a contract with XXXX XXXX/XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.
Consumer complaint received 2024-03-27
Product: Credit reporting 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. (VA)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 2023-02-02
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. (GA)

This is a different XXXX XXXX. I have never received service from this place. TransUnion nor the company can verify and validate this information. 

NXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX File number XXXX Opened XXXX  {$180.00} Opened XXXX {$220.00}
Consumer complaint received 2020-12-17
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: JPMORGAN CHASE & CO. (CA)

I purchased a flight ticket scheduled on XX/XX/2020 using Chase credit card on XXXX XXXX, 2020. My flight was cancelled due to COVID-19 pandemic. Merchant is XX/XX/XXXX ( from which I purchased ), and XXXX is airline company. Per a supervisor of XXXX 's instruction, I requested a refund online on XXXX XXXX, 2020 ( I have a screenshot ). Meantime, I also filed a dispute with Chase in late XXXX, 2020 as I did not receive the service through Chase online secure message system. Chase replied on XX/XX/ 2020 to request any supporting documents, which I faxed for several occasions up to the end of XXXX, 2020, including an email from XXXX confirming that a refund of {$280.00} was made on XX/XX/2020. However, Chase keeps refusing to refund me. All documents will be sent to CFPB upon request from Chase. I have all documents but too large to attach on this online form.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

my name is XXXX XXXX i am writing you once again to complain about midland credit management a dept collector for violating my rights yet again as i have written this dept collector in the past and asked that this so called dept be validated and clearly i am feeling harassed and also in a deep XXXX over these tactics. 
the law states 15USC 1692 ( C ) ( A ) a dept collector may not communicate with a consumer in connection with any dept they are also in violation of 15USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) 15USC 1692 ( D ) ( 2 ) STATES a dept collector may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with a collection of a dept with out limiting the general application of the foregoing following conduct is a violation of this section ( 2 ) the use of obscene or profane language the natural consequence of which is to abuse the hearer or reader 15USC 1692 ( B ) AND 15USC 1692 ( C ) ( A ) for all of these reason and more enclosed is all of the proof you need to see and also letters already sent certified mail with receipts
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Parents filed a bankruptcy and the bankruptcy court went after my husband 's job and garnished his pay. We were in this process for years. They took money from his salary and the debt was paid and they still took money from my husband 's salary. They put our home in bankruptcy, my parents did not own a home. 
Now they have discharged the bankruptcy and our home has a sale date. 
NationStar/Mr. Cooper refuse to work or speak to us about our own home. 
They will only say we have a sale date and their is nothing we can do about it. 

They had an inquest and received a judgment of foreclosure and we were never notified.
Consumer complaint received 2023-05-22
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: Experian Information Solutions 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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please XXXX of XXXX remove this from my credit report
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

I sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau XXXX, XXXX, EQUIFAX fix the problem and remove inaccurate information of my credit report immediately.
Consumer complaint received 2023-05-28
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. (MI)

I have a fraudulent account on my credit report from citizens pay off credit for {$2.00}. I didnt apply for this credit or line of credit. I have attached the police report and FTC email after I filed a fraud complaint with the government. 

Also I have inquiries that I didnt make XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 / XXXX XXXX  XXXX XXXX XXXX XXXX  - XX/XX/2023. XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX = XXXX XXXX
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have filed no less than four ( 4 ) disputes pertaining to the above-referenced accounts held by the XXXX XXXX XXXX XXXX XXXX XXXX hereinafter XXXX XXXX XXXX ) and the XXXX ( hereinafter XXXX ). TransUnion refuses to conduct an reasonable investigation so as to have this inaccurate information removed from my credit file. Originally, there were XXXX XXXX XXXX XXXX of these accounts reflected in my credit file. After filing a Sworn Fraud Statement of Dispute and providing documentary evidence in support thereof, TransUnion removed XXXX XXXX XXXX XXXX accounts ( i.e. XXXX, XXXX, and XXXX ) and left the remaining XXXX XXXX XXXX ) that I am currently disputing. I have demonstrated to TransUnion that the XXXX, XXXX and the XXXX, has provided false and fraudulent information in stating that, " client agreed to pay for XXXX for legal representation, '' in absence of verification of a verbal and/or written agreement/understanding. After I disputed said accounts based upon a lack of an agreement/understanding between the XXXX and I to pay for legal representation, the XXXX and the XXXX, XXXX then submitted an altered/modified document other than what was previously submitted for verification dated XXXX/XXXX/2016 reflecting, " ... did not have to sign anything in order to receive services. '' This was brought to the attention of TransUnion and yet they allow the XXXX XXXX XXXX XXXX remaining accounts to be reflected in my credit file after they deleted XXXX XXXX XXXX ) by the same account holder who is using the same exact verification and altered documentation. As recently as XXXX/XXXX/2016, I wrote TransUnion seeking to resolve this matter citing how failing to conduct a reasonable investigation violates my rights under the FCRA and that I am and have been adversely affected by having these accounts reflected in my credit file. When I spoke to a TransUnion representative via phone as a follow up to my letter to see how they were seeking to address the matter I was informed that they would not be removing the remaining accounts unless the XXXX XXXX XXXX and the XXXX asked them to and that I should be receiving information in the mail reflecting such.
Consumer complaint received 2020-12-17
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. (TX)

For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the Equifax data breach and my information couldve gotten in the hands of anybody.
Consumer complaint received 2017-12-30
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (NC)

On XXXX/XXXX/XXXX, my mortgage was transferred from XXXX XXXX to Nationstar/Mr. Cooper mortgage. I had made my XXXX payment to XXXX prior to the transfer, but somehow, initially the advice of my XXXX payment was not communicated. I worked with Mr Cooper and they eventually did find the payment after I forwarded them proof. They assured me that there would be no negative impact to my credit as the error was not my fault and it was also during the RESPA period. This was a lie. They are reporting me with a 30 day mortgage late for a payment that was made to the previous services PRIOR TO the transfer.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OR)

XXXX XXXX XXXXWhen making a payment for my monthly credit card statement, their system credited the payment twice. Called company when noticed, 2 hours later, which they said was too late to do anything about that day. Called supervisor the next day, was told theyd credit and also pay back any overdraft fees. 8 days later, payment isnt credited and theyre now saying 30-60 days to get it back to me. They took 2 {$3000.00} payments out of my account. I had to borrow the money to make sure it didnt overdraw my account..didnt believe theyd take care of the fees as they said. Now, I dont have any money to pay any of my monthly bills. Why would it take 30-60 days to resolve an issue their system caused??
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (TX)

I purchased an XXXX XXXX from XXXX XXXX on XX/XX/2016. - with an XXXX care package .Within 2weeks I was dissatisfied with the product & went to XXXX & got an XXXX XXXX also with an XXXX care package. I informed XXXX XXXX about this & requested that they cancel my care package. I also went to the store & told the person that I bought the phones from & that the care package needs to be cancelled. In XX/XX/XXXXI realized that there was a charge on the when I paid off the balance on this account-yesterday there was a bill due. I called XXXX XXXX & discussed this @ great length with the customer service person. He documented all the information & told me I would get a refund. I got another bill in XX/XX/XXXX & called them again & again I was told that I wold get a refund. In XX/XX/XXXXI saw my statement & called XXXX XXXX & was told that my XXXX care package was still active & that I have to pay for the care package. When I asked to speak to a manager- I was on hold for 90 minutes - no manager came on the phone to talk tome. I went to the store & talked to a manager there - I was told that I wil get a resolution & no such resolution came. I am frustrated that XXXX XXXX would report this as late & add late payment charges on this even though I am due a refund from them. Please help