davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Consumer complaint received 2024-04-01
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. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-01
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with ought my written instructions.
Consumer complaint received 2023-08-17
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. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Consumer complaint received 2022-10-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-06
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. (MD)

Hi I am submitting this XXXX XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 MANY TIMES!!! 

XXXXXXXX XXXX-ACCOUNT # XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (MI)

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT EDXXXX XXXX Balance Owed : {$4900.00} ; DPT ED/XXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$21000.00} ; DPT EDXXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2023-08-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 2023-08-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (SC)

I have a prior complaint # XXXX in relation to this alleged debt. This company removed the item from all credit reports. On XX/XX/XXXX  I noticed a new item on my credit report, with the same original alleged debt. How could this be? How can the first company delete the alleged debt then sell the alleged debt to another company. It seems very illegal. I feel this is a bio violation of the fair credit reporting act because I did not receive any notification of reinsertion of this alleged debt and how can a company sell a debt they state they will delete and notify the credit bureaus.
Consumer complaint received 2021-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Recently you assisted getting FEDLOAN Servicing, who manage all my student loans, to finalize certifying my employer the VA as a 'public service ' agency that makes me eligible to remain in the Public Service Loan Forgiveness program. 
After i received a letter in XXXX, it stated that my employer is a qualified employer, however, FEDLOAN did not state the name of the employer. 
Either way, I notified you then that case was resolved. 

Now 1 month later, I asked that my payments from XXXX XXXXXXXX-current are converted to qualifying/eligibe payments that count toward my 10 years of Public Service.

The response i got from FEDLOAN is, that my employer is yet again ' under review ' and that the payments can not be changed as of yet. Injury to insult. 

Will you kindly assist, on my side.
Consumer complaint received 2022-12-06
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. (TX)

I contacted XXXX and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, XXXX and Transunion.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (TX)

It angers me seeing that the Credit reporting Agencies have been ignoring my requests for the removal of the fraudulent accounts and information completely from my Credit File despite the multiple dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus. The Credit Bureaus ' willful non-compliance with the Fair Credit reporting act section 605b, is a clear violation of a consumer 's rights! I took the advise from my legal counsel and we are now ready to file a lawsuit against the Credit Reporting Agencies. I am submitting this CFPB Complaint to the Credit reporting Agencies as a final warning that in the event the Credit Bureaus do not comply with the requests and fail to remove the disputed accounts and information from my Credit Report. We will be filing the lawsuit that we have been preparing. Under the provisions of the Fair Credit Reporting act section 605b, I am expecting that the Credit Bureaus remove the following fraudulent accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Consumer complaint received 2023-08-17
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. (PA)

My name is 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 2023-05-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America XXXX an estate account for my uncle, XXXX XXXX XXXX 's estate and allowed funds to be embezzled from the estate. They did not check the probate documents for the estate in XXXX, XXXX XXXX XXXX XXXX the estate account and then when XXXX wires were wired into the estate account from an illegal sale of real property in Maryland XXXX she withdrew the funds, even though the court order stated she could not collect estate funds over {$25000.00} and needed original certificates to obtain the funds under {$25000.00}. Due to Bank of America 's failure to do their due diligence, the estate funds over {$700000.00}, were fraudulently embezzled, making them accessory to fraud and embezzlement.
Consumer complaint received 2023-08-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I have asked for unverified late payments to be removed from student loan accounts. You can not report a late payment of 90 days when the month before it was reported ok. 
5 Dept of EdXXXX Accounts , late payments being reported that are inaccurate and therefore unverified. 

XXXX, XXXX, Equifax, and XXXX are governed by XXXX XXXX XXXX and they violated my rights numerous times. 
There is no law stating that any transactions need to be reported.

According to 15 USC 1681 section 602 A I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written consent and instruction. I never gave consent.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It seems FCRA 605B necessitates the deletion of any incorrect entries from my credit dossier. Could you verify the paperwork? Several listed accounts exhibit inaccuracies in reporting, including discrepancies in amounts and dates.
Consumer complaint received 2023-01-10
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)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.Despite my previous written requests, the unverified item 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 creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the account be verified or repaired immediately. 

XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

Set up a new insurance policy and paid the entire premium in full ( effective XX/XX/XXXX thru XX/XX/XXXX ). Advised the mortgage company ( Wells Fargo ) of this and they contacted the insurance company ( XXXX XXXX ) to verify receipt of payment in full. 
Requested escrow analysis to lower payment and was advised that they " still will collect funds for these future payments. '' I responded that this was absurd and I would not be paying double on an insurance policy and that my payment needed to be adjusted. 
This is not fair and I should not have to pay the mortgage company for insurance that has already been paid to the insurance company.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

XXXX XXXX, known as the California state 's Middle-Class Tax Refund. Issued by XXXX XXXX XXXX XXXX, XXXX Money Network. 
My complaint is against XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Money Network. 
In California millions of California residents including me received a debit card from XXXX through Money Network. I am afraid to activate the card because many CA residents complaining, and it is in the news all over in California. Ch. XXXX XXXX. XXXX that when they activate the card there is no money on it. Another issue is for me and many California residents is privacy concerns. There is also the issue that you can't contact neither the Bank or the Money Network and speak to a live person to replace the debit card to a check. I tried to contact Money Network on the telephone on both numbers they provide on Money Network Website # XXXX and telephone # XXXX unfortunately no customer service. It is impossible to speak to a live person. Could the XXXX XXXX XXXX find out what are they hiding and why so many people after activating the debit cards find that there is no money on the debit card issued by Money Network?