davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (AL)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$200.00}
Consumer complaint received 2023-06-24
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)

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of XXXX XXXX. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2017-05-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Refi nanced mortgage to get lower rate and payment with Wells Fargo the original loan holder of the previous mortgage. Lots of people were in on the underwriting and It seemed they were going through staff changes during my closing process. My payments were to be   XXXX  less per month.  Now many months later my taxes are due and I received a bill from my county. When I call WF tells me they are paying it not to worry. It is part of my escrow that was carried forward. Yesterday I got a bill from Wells fargo saying they paid some   Title company    XXXX   and  my county. Well if they did I would n't have a bill! They say I will be receiving a refund which I have not as yet from one of these and  if I do n't send it to them they will raise my payment  XXXX  dollars a month due to my escrow. Why did I refinance in the first place? This is incompetence of the highest!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  is telling me that XXXX XXXX XXXX XXXX  did a hard inquiry on my credit score. Date of inquiry says XX/XX/2024. I have not applied to any sort of credit or loan application with XXXX XXXX I am worried that someone has stolen my identity and opened a credit card in my name.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

I received a statement from Woman Within in the amount of {$73.00}. I then paid this 2 days early. It was retuned. When I called them about this, they said " if I can prove that it was the banks fault, they will remove the late fees. '' I then called my bank and was told that the card did not enter my entire card number when they took the payment and that changed the entire account number. Now I am not able to place an order using my card. I just called the card again because I have no balance. I called them again today to ask why I am not able to make a purchase on my credit card. I was told it had to be 15days, XXXX XXXX, before I could use my card again. I asked the rep where it said that, he repeatedly said it was not on my statement. I again asked where does it state that I have to wait 15days. He could not tell me. I then asked to speak to a supervisor. When she came on I asked her why I could not use my card with a zero balance. She then said I have to wait until XX/XX/XXXX before I can use my card. I do not understand why the different days. She could not explain. I then asked why I was charged a fee of {$2.00} when I paid the balance in full 2 days before it was due. The only thing she could say was I paid the bill on XX/XX/2022 which is after the due date. The due date was XX/XX/2022. I paid it on XX/XX/2022 and they still charged me fees. They returned the rest of the fees and interest. Why not that? I was told I could not I could not charge anything until the {$35.00} was paid. That was paid on XX/XX/2022. On XX/XX/2022, I tried to place an order and was denied the ability to place it. No explanation as to why. I have a {$0.00} balance and am still not able to place an order. They must not want people to use their credit card.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX Networks : last XXXX of the account number # XXXX. On XX/XX/XXXX I XXXX XXXX about XXXX am called XXXX bank [ Phone Number XXXX ] talked to customer service representative XXXX XXXX and he advised me there was no account or account number ending in XXXX for the amount of {$3600.00} and a credit limit of {$1700.00}. So i couldnt provide you guys with a complete account number if there isnt an account that exist. XXXX XXXX also stated that everything was be recorded. So you guys will have record of that also. The account was supposedly opened on XX/XX/XXXX. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
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: EQUIFAX, INC. (NV)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-15
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. (WI)

First I asked XXXX, XXXX and Experian to check the information on my report and to delete certain items. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate and multiple Collections reported monthly. This is ground for removal and monetary relief.

They also violated the law because according to the FCRA the Credit Bureaus never did a proper *investigation* according to the FCRA, The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ; or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

In accordance with the Fair Credit Reporting act 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. I never gave XXXX, XXXX or Experian my written consent or instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-02
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

XXXX   XXXX   - I requested my free annual credit reports from all three credit agencies  (   XXXX   XXXX ,  XXXX , Experian  ) .  XXXX   XXXX  and  XXXX  sent me their reports - no problem. Experian refused to send my report, claiming that I had received an Experian report within the last 12 months. This is wrong ; I last received an Experian report in   XXXX   XXXX    .     I tried to contact Experian, but all their phone numbers that I could find go to automated answering machines that only expected me to request a credit report. I sent an e-mail to them, but they sent a message saying they could not respond to individual requests.     How can I get them to pay attention and clear up this problem?     Thanks,  XXXX
Consumer complaint received 2022-11-28
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. (SC)

In accordance with the FCRA name of accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (NV)

on XX/XX/2022 Social security sent my social security direct depost on my a netspend card and they refuse to deposit it or open account. The emailed me they needed more information like a social security card. Once I sent the upload of a social security card they sent the deposit back to social security and reported the card they mailed to me lost/stolen. Social security rec 'd it but the earliest it could deposit monies was on the XXXX of XXXX and I now have late fees such as a {$49.00} dollar late fee and a {$100.00} NSF fee. I feel like other bias cause issues as every time I call Netspend they put me through to automated voice system knowing card is deactivated and system will hang up on you. I have another account that provisitional credits is due on and yet not refunded. Deceptive practices has cause me to be late on rent.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Issue : Chapter  XXXX  filed   XXXX   XXXX     According to the Fair Credit Reporting Act, a  XXXX   XXXX  bankruptcy will be removed from your credit report after  XXXX  years.     However, the Credit bureaus ( except   XXXX    )  still report  XXXX   XXXX  on my credit report. In particular the Credit bureau that On Site uses to do background check on apartment applicants : this is adversely affecting my ability to lease an apartment ; Relocating for a job.     Please assist. Thank you.
Consumer complaint received 2017-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

In  XX/XX/XXXX   I was in process of planning a relocation from  XXXX ,  XXXX  to  XXXX ,   XXXX   for a new job. At that time my car insurance was with  XXXX   XXXX . I decided after inquiring to cancel  XXXX   XXXX  insurance in   XX/XX/XXXX  d ue to rate increase moving to   XXXX   to go with another insurance company.  XXXX   XXXX  processed a cancellation credit to my account on   XX/XX/XXXX .  The company then sent me a bill for {$170.00} i n  XX/XX/XXXX . I inquired as to what the amount was for and after being explained what this was for I paid the {$170.00} on XX/XX/XXXX .      In   XX/XX/XXXX , I rec eived a collection notice from Credit Collection Services  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX . This notice was to collect a debt for  XXXX   XXXX  Policy number  XXXX . I immediately contact this company and informed them that they were mistaken this mater was paid, and sent them a copy of the bank statement showing the payment taken out of my account on     XX/XX/XXXX . They informed me that they would investigate and get back too me. I had not heard anything else from them so I assumed the matter was closed, until I received another notice on  XX/XX/XXXX   stating the same thing.     I contact   XXXX   XXXX   who informed me that they do not know how this was turned over and the sent me a statement showing the same policy number  XXXX  showing the amount paid on the date I showed this collection company. I faxed all this information to Credit Collection Services on   XX/XX/XXXX . On  XX/XX/XXXX , this company sent me notice that my documentation was not sufficient o r applicable to adjust my account with them. They are still trying to collect on a debt that is not owed. They are continuing to harass me and damage m y credit score a nd I do not think this is right, when I have and do pay my bills on time.
Consumer complaint received 2022-11-28
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I send my mortgage payment for athe amount of {$3600.00} on XXXX XXXX via XXXX XXXX and send another payment for $ XXXXthught USPS with tracking # XXXXnot XXXX the payments has been credit to my mortgage account.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifaxshall, 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 Equifax is 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 items 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. Please delete the accounts below : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MA)

I never received any correspondence from this company about any debt. They have wrongfully and fraudulently charged me with debt on my credit report. They also did this back in XXXX but the debt was removed. It states as of XX/XX/XXXX I owe XXXX XXXX XXXX sent me a phone notification as of XX/XX/XXXX. 

I looked up Hunter Warfield and they arent licensed and are unauthorized to do business according to the XXXX consumer access reports since XX/XX/XXXX.