davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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. (MD)

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education DebXXXX ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

I DON'T HAVE ANY REPOSESSION ON MY ACCOUNT PLEASE UPDATE IT AND REMOVE IT TO MY CREDIT REPORT.
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: VW Credit, Inc (NY)

On Friday, XX/XX/2018 I reached out to XXXX XXXX to request a quote on the 2018 XXXX XXXX. I was going to be leasing it with my mother. After reviewing my income, they decided that they couldn't lease me a car. That's fine, we parted ways and I moved on with my day. Later, I got a notification from all three credit bureaus that a hard inquiry has been placed on my accounts by XXXX XXXX via XXXX. I never authorized the use of my social. I tried contacting them but to no avail - I've left countless messages and e-mails for the finance manager who has never gotten back to me. On XX/XX/2018 I got ANOTHER email stating that ANOTHER inquiry had been placed on my social with all three credit bureaus by XXXX XXXX via XXXX. I did not authorize this, nor did I speak to anyone. Once I was rejected on XXXX it was case closed. Additionally, my mother, who they did not speak to, and did not need to verify her info until we were to be signing documents ( which didn't happen ) had her social run TWICE as well on all three credit bureaus. THEY HAD ABSOLUTELY NO RIGHT to run my social the first time, let alone A SECOND TIME after they refused to lease me a car and especially had no business running my mothers information once they refused to lease me a car. I've tried reaching out to them countless times and they just keep telling me no one is available to speak to me, or they take a message and never get back to me. These need to be removed IMMEDIATELY from my accounts as well as my mothers accounts. We do not have any outstanding debts with them, we did not lease a car from them and we did not sign any paperwork authorizing the use of ourinformation - not once or twice.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, XXXX is reporting my mortgage payment late to the tune of 180+ days past due. 
I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : XXXX has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I  contacted XXXX, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXX XXXX, ( contrary to the no paperwork verbiage listed on XXXX website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted XXXX twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. XXXX replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (DE)

bad warranty, both companies have violated my rights per the FCRA : they have violated the truth in lending act, consumer laws : it's being reported to all three credit reporting agencies in their affiliated third party agencies : XXXX XXXX XXXX XXXX XXXX XXXX has continued to charge illegal fees, reporting amount, not accurate. From charge-off in XX/XX/XXXX, then change to ( open ) status past due {$14000.00} when vehicle was involved in accident XXXX XXXX has reported each month from XX/XX/XXXX as past due with {$0.00} amount due each month, updated balance from {$14000.00} XX/XX/XXXX - XX/XX/XXXX, increasing by {$10.00} to {$14000.00}. As of XX/XX/XXXX balance increased to {$14000.00} to allow the loan to remain as a open status on all three credit reporting agencies reports. Once a loan reports as a charge-off in sold to a third party lender, it can not report as ( open ) on any report. This account has been issued to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

XXXX XXXX XXXX credit card was not open by myself, they continue to report to all three credit reporting agencies and their affiliates inaccurate information, fraudulent company names to each reporting agencies. 
They are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX each company uses the same account loan #, but with different open dates balance of {$440.00}. 

FCRA promotes the accuracy, fairness, and privacy of information in the files. Under these laws as a consumer all my rights was violated.
Consumer complaint received 2023-04-10
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. (IN)

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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2023-03-04
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)

GOODWILL LETTER XXXX XXXX  Account Number : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX  Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX. for my XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, since COVID19 things has been very hard, I'm at a point that I'm reestablishing myself. I have a better job and I'm in the process of saving more and I'm enrolled in financial seminars weekly. I'm improving my credit as well and learning money management. Ive had a spotless record of on-time payments. 

Im planning to apply for to purchase a home in the next year and a car as well. This forgiven will help my credit greatly, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late in the amount of XXXX which includes the year and months of late payment. XXXX  months includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX 

Thank you for your consideration, and I hope youll approve my request.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I dont agree with the decline reason they are proving me its inaccurate information Im a victim of identity Theft they refuse to process my application for my Costco Visa card telling me I have too many inquiries but experian has confirmed that their are none since Im a victim for identity theft they have been removed I tried explaining this to them but they still wont Approve what a bad experience and application process
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an illegal online lender reporting a several year old charge off on my TransUnion report. I have disputed the validity of this item as many as 10 times in the past two years and each time I never receive any information from TRU except " Account Verified ''. I have asked repeatedly for the means of verification and the details that were verified only to be told that this is TRU internal information only and can not be shared. With each dispute, I have received a letter from the information furnisher acknowledging the request for debt validation, but never anything actually validating it. After speaking with a supervisor at TRU following my last dispute on XX/XX/2017 ( which was closed within days as " validated '' ), I contacted the original creditor ( information furnisher ) in writing demanding validation of the debt including all pertinent information they are reporting. I received a letter a few weeks later that stated " We are unable to validate this debt. '' I again contacted TRU with this information and was told to fax them the letter which I did. I was told by TRU that it would take up to 5 days to complete the update to my file. Having received no response or acknowledgement of receipt from TRU, I called a few days later for an update. At that time, I was told that TRU had initiated another validation request to the creditor and they then had 30 days to respond. After being transferred to a supervisor and demanding to know what additional proof they needed and what exactly they are validating, I learned that this is the exact same electronic request they have allegedly sent close to 10 times previously that does not require any evidence or any kind of real validation other than a YES/NO reply. I asked why they were doing this knowing that they had sent the exact request multiples times already and since they had a letter in their possession from the creditor that plainly states validation is n't possible. Unbelievably, TRU 's answer was that they " need to ask the creditor if they agree with the contents of the letter. '' This is a letter that THEY WROTE! In exasperation, I asked one final time, what proof I needed to provide that would at long last remove this item and I was told that they could not tell me that as it is internal information. 

It is obvious that TRU has not validated this debt as they claim as the creditor themselves stated in writing that it is n't possible. TRUs unwillingness to accurately verify the items they report, and their refusal to remove reporting of items that have been proven invalid is a clear violation of, and willful non-compliance with the Fair Credit Reporting Act.
Consumer complaint received 2018-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (DE)

I opened a Citibank regular checking and savings account on XX/XX/18 under a {$400.00} account opening promotion after meeting certain requirements. The account was approved on XX/XX/18. During the account opening process, I transferred {$14000.00} and {$100.00} from an external bank account into the Citi 's checking and savings account respectively. I received my debit card late XXXX and made a {$500.00} deposit via Citi 's Mobile Check Deposit on XX/XX/18. Then around mid-XXXX, I received a physical check for {$14000.00} from Citi. I try to login to my account online to research the strange check but was unable to access my account. All of my access to Cit 's credit card account were locked as well at this time. I contacted customer service for support on XX/XX/18 and a rep explained to me my account was closed effective XX/XX/18 without providing a reason and stated they already sent me a physical mail to explain the actions. He hinted that it has something to do with the overwhelming demand for the {$400.00} account promotion. I told him I have not received the letter and would like to get an explanation. He keep on repeating that the account is already closed and there was nothing he can do. Unfortunately a Citi branch is XXXX miles away so I could not visit a branch for assistance. I deposited {$15000.00} into my Citi accounts but only received a check for {$14000.00} without interest. The interest on these accounts are 0.03 % and 2 %, respectively. When depositing the {$14000.00} check from Citi, there was a 7 business day hold. Even though the deposit method is the same, I have not received the {$100.00} from my savings account and I am also missing {$500.00} from my checking account. The phone rep stated they have already issued {$600.00} credits to the original banking source and it has been almost two weeks and I have yet to receive the money held by Citi. Due to the held funds, I have incurred financial hardship to pay my bill and was charge with {$32.00} in NSF fee by another financial institution. I have met all the requirements under the {$400.00} bank account opening promotion except the account must stay open for 60 days. Citi closed my account on the 44 day to reneg on the promotion.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC. (OH)

Received a letter from a company called Midland Credit Management about a very old credit card debt that was voided in court nearly 9 years ago. They are attempting to get a payment from me, but admit in the letter that the statute of limitations has passed on the debt, while not acknowledging that the debt is no longer even valid. My concern at the moment, due to reports from others who have dealt with them, is that they will try to damage my Credit history in an attempt to blackmail me into paying them money.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

So I had a account with Bank of America and I started getting tons of charges from online gambling site that I used a long time ago. I notified the gambling site that the charges weren't made by me or my account with them but was ignored so I went to BOFA for help showed them the evidence and they temporarily credited me back. But then all of a sudden took all my money again. And wouldn't even tell me what they found in the investigation all. I told them and showed them the proof that there were many people who experienced the same thing as i did from the XXXX website. And that the account charging me wasn't even in my name or in my country. To add to that I was getting charges from XXXX XXXX also unauthorized got the same bs again. They ignored me and that's how I lost thousands of dollars.
Consumer complaint received 2023-03-20
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. (NY)

I have been writing letters trying to remove the late history and my hard inquiry and as I was going over 15 usc 1681 that it is illegal to report it
Consumer complaint received 2017-04-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JH Portfolio Debt Equities, LLC (CA)

Credit Control , LLC initiated an illegal and unauthorized inquiry upon my credit report. I have never done business with Credit Control , LLC and have never authorized them to access my credit report - let alone give them any personal information. The erroneous request occurred on XX/XX/2017 by CREDIT CONTROL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX. 

I am asking Credit Control , LLC verify why they conducted this inquiry, provide authorization ( if any ) showing why they were allowed to access my personal information, and provide me with their records concerning any debts, account openings, or financial transactions that gave them a legitimate business reason to, as required by the FCPA, to access my credit report. 

Finally, please immediately remove the inquiry and provide the requested documents ( if any ).
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (FL)

They charged me extra saying I didnt have insurance on this car and I did. The CPI policy they charged me number is XXXX saying it was effective XX/XX/2014 to XX/XX/2014. Then repoed my car because of it and did not send me a bill of sales or information as to how much the car sold for and not even showing how much I pod for the car
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Over four years now I have received my mortgage payment over {$510.00}. When I call Bank of America questioning the " Other Advances '' fees of ( {$30.00} - {$35.00} ). Never receive a direct answer, UNTIL... XXXX XXXX XXXX assisted me with my mortgage. I then was told my mortgage is only {$490.00}, however they stated that the additional " Other Advance '' fee was because an XXXXnspector came to inspect my property in XXXX and XXXX of 2022. Keep in mind that there was no one who Inspected my property. Thus {$30.00} is for XXXX and another {$30.00} is for XXXX, and it was a XXXX time fee. However, those fees have been on my statement for over four years! 

Again, when the government assistance program paid my mortgage there was no ( {$30.00} - {$35.00} ), for three months! Once the program ended, the {$30.00} fees returned.
Consumer complaint received 2022-10-27
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)

XXXX XXXXin accordance with the fair credit reporting act XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions