davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (NC)

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 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As early as XX/XX/XXXX I have attempted to set up auto payment both online and offer the phone with various Bank of America Managers and customer service agents. 

On XX/XX/XXXX, the one-time payment was applied to my account using my checking account ending in XXXX, and was advised that the following month I would be enrolled in auto-pay. 

I spoke with a mortgage manager ( XXXX ( manager ) the week of XX/XX/XXXX who advised that he would give me a follow-up call and the autopay would be initiated on XX/XX/XXXX. 

I called on XX/XX/XXXX and spoke with XXXX ( Customer service mortgage ) who transferred me back to XXXX t follow up. XXXX advised that he can not I also spoke with XXXX ( XXXX ) who verified that the account number is valid and the auto pay should have been initiated for the month of XXXX. 

If I am charged with a late fee it will be wrongful. 
This is a systems and/or coding error in the BOA mortgage payment page. 

It has been 3 months now, I have spoken with numerous BOA representatives yet my mortgage loan still has not been connected to my checking account for autopay despite the previous month 's mortgage being withdrawn from my checking account and the account has adequate funds. 

This has been beyond frustrating, with poor resolution service, and a ridiculous waste of my time. 

As a resolution, I would like for BOA to credit me in the amount of one month 's mortgage payment ( {$2300.00} )
Consumer complaint received 2022-11-01
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. (NC)

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 2022-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (VA)

For over a year now I have attempted to get XXXX XXXX to update my insurance in their system so that insurance can pay this bill. I have spent countless hours on the phone with XXXX making sure health insurance information is correct with XXXX, and each time I am assured that it has been corrected. Despite all of my time consuming efforts, XXXX has not updated the insurance information, so they are saying that I owe {$1000.00} for lab work. My insurance, XXXX XXXX ALWAYS pays for my lab work. It is covered under my plan. The reason it is being rejected is because XXXX is giving them incorrect insurance information. Now, I have received a bill from a debt collector and my original bill is not available on my XXXX patient portal. I can not contact XXXXt oXXXX XXXX  because I don't have the original bill. I receive my bills via email and the links to the bill are no longer active. I have no way to correct this. Worse yet, I can not get my XXXX XXXX at any XXXX lab because they incorrectly say that I owe this amount. I have XXXX XXXXXXXX XXXX and need to have regular XXXX done. This is not only an issue of unfair billing, but also it is putting my health in jeopardy.
Consumer complaint received 2022-11-01
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. (GA)

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 deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2022 XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/20XXXX 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 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 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 2023-08-16
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-01
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. (GA)

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 deleted or updated. These are the items I demand to be deleted immediately : XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX
Consumer complaint received 2020-08-23
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)

I have forwarded all information to XXXX regarding identity theft and they will not remove or respond, other than saying that I am responsible for the debt and they have proof that this information is unverifiable and is willfully refusing to stop reporting to the credit reporting agencies. They also do not respond with the proof that show I owe this debt. I am going to sue this company the credit reporting agency and CFPB for not acting on this.
Consumer complaint received 2022-11-24
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. (NH)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-16
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-16
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. (MD)

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX XX/XX/2022
Consumer complaint received 2023-01-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2023 XXXX  Reporting these individuals for unprofessional activities in settling my account since I left the XXXX XXXX, Washington. 

XXXX??? asking for my SS over the phone on the last Saturday of XXXX Also, XX/XX/XXXX, XXXX call came in at XXXX and I was informed she was XXXX go close my continous on going MAJOR ISSUSES because Wells Fargo continues the existing fraudulent banking activities. 
Why was I asked by the individual that new accounts under my name exist in XXXX? How many accounts were opened XXXX. I have a right to know. 
That Wells Fargo female employeee never informed me. 


$ $ Since you never ask for or give your SS over the phone in resolving my complaints of the related issues of my identity which, I have legally established in Wells Fargo XXXX. $ $ I went into a branch XXXX XXXX XXXX XXXX ... ... SHE IS VERY UNPROFESSIONAL and would not help me, because she didn't want to go into my box of documents WELLS FARGO has sent me to verify the any documents on the time clock while she is employed at WELLS FARGO! I was the only PERSON IN THE BANK! HER CONCERN WAS EATING LUNCH! And removing me because I was going to bring my documenta into the branch, which I HAVE A RIGHT TO! 

I NEVER ASKED THIS WOMAN TO GO INTO MY DOCUMENT BOXES!!! 
WHY IS SHE WORRIED ABOUT HER LUNCH? 
XXXX XXXX ACCUSED ME FALSELY WHEN THIS IS REQUESTED BY WELLS FARGO and the FEDERAL GOVERNMANT? PLEASE NOTE HER FACIAL JESTURES AND HER IMMATURE CUTESY UNPROFESSIONAL BODY MOVEMENTS WITH SMILES TO ANOTHER BANKER ARE UNWANTED AND IS HER FORM OF HARASSMENT OF A CUSTOMER WITH DIAGNOISED XXXX  IS AGAINST THE LAW! 
HOPEFULLY THIS ILLEGAL ACTIVITY NEEDS TO BE REPORTED TO THE CONSUMER FINANCE COMPLAINTS REGARDING HER HARASSING ARGUMENTITIVE AND LACK OF MANAGEMENT HELP. 

While in the bank a XXXX Supervisor called while I was there discussing I would bring in my legal box, because XXXX still to this date XX/XX/2023 hasnt resolved any issues. 

XXXX XXXX XXXX. in XXXX agrees with me. CALLED XXXX PLEASE INVESTIGATE THE XXXX SETTLEMENT ... ... XXXX never closed any accounts and per this legal documentt by the AAA dated XXXX XXXX. I HAVE A LEGAL RIGHT TO RECEIVE MY CASH SETTLEMENT. 

Once again I was involved in the WELLS FARGO Fraudulent and as I have expressed for years on end PLEASE STOP COVERING UP THE EVIDENCE THAT I HAVE SUPPLIED TO YOU.
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX BANK XXXX XX/XX/2023
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8200.00} XXXX XXXX Balance : {$8200.00}
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. (CA)

I'm disputing the accounts below. I contact the companies associated with these accounts and they said they will remove the accounts from their records. I also called XXXX and agreed to remove the accounts due to it's fraudulent activities and thru the FTC report that I submitted. But the companies and the Transunion credit bureau failed to delete my accounts as what they have said. Please DELETE the accounts below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

I have a chase slate credit card and I have had my account with them since XXXX  it's been I good standing since I've gotten the account my last payment to them was on XXXX XXXX in the amount of XXXX... I got real sick and had to move to my grand daughter 's house after my XXXX XXXX I own my house but I need to get things fixed anyways so my contact info has been updated such as phone number which I got a phone on my granddaughters account and her name is the holder of account it is a XXXX XXXX XXXX  account not a prepaid phone its a phone bill account and is valid I shouldn't be having these problems I also got a new email address due to my phone and email being under XXXX and they are no longer in service... I am no longer staying at my old house so i do not own a house phone anymore and the house phone on the account is no longer active i do not have XXXX due to them no longer being at service... I have done the verification process and have got through about 15 times and everytime I get through I go to a store to use my card and I'm back on fraud ... my new number is on my account but everytime they say I can't get verified through the phone and I can't get the fraud off my account to use the card that I have in my hand and it is myself using it ... my phone number is active on my credit report and everything the only thing is that my granddaughter got me a phone on her account I just want the fraud off my name where I don't have any problems... I have also tried to get another bank account and credit card with multiple banks and credit card companies I do not understand why they all get denied for suspected fraud when I am not doing anything to be under fraud it's very frustrating I just want to be able to get the fraud off of my name and social security where I don't have anymore problems... I call chase fraud operations everyday and get nowhere I'll verify myself answer all and every question and my account will be cleared and I go to use my card and it declines and puts me right back on fraud ive been dealing with this for 3 weeks I'm tired of this and I need somebody to clear this up cause I am getting nowhere
Consumer complaint received 2023-05-23
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. (VA)

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 2023-09-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Louisiana Recovery Services Inc. (LA)

Louisiana Recovery Services continues to call me from spoofing numbers. I have asked them to verify the debt and I am cursed out. They last called XX/XX/23 at XXXX hours through a spoofed phone number. 

I inform them that I do not acknowledge the debt, it is not mine and they said " You will pay up XXXX XXXX or we will sue you '' They keep calling, ignoring my no contact order. 

Please make them stop.
Consumer complaint received 2023-08-16
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. (TX)

Despite of the multiple previous written requests, the the inaccurate items still remain on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with air Credit Reporting Act, within the time set forth by law and continued reporting of unverified information. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Sections 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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 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