davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (FL)

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 2022-11-02
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. (OK)

On XXXX I reached out to TransUnion, XXXX, and XXXX and talked to XXXX from TransUnion, XXXX from XXXX, and XXXX from XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX : XXXX Helllo, dear 1. XXXX I made a wire transfer XXXX usd to my partner to purchase a car on the car auction who has account in Bank of America 2. XXXX it passed my corresponding bank and now payment is on approval in Bank of America I attached XXXX and all the required information 3. Regarding to the uetr-code, the payment is on approval in BofA since XXXX 4. XXXX I sent the inquiry on payment cancel due to long approval time-several messages from XXXX XXXX XXXX my correspondent bank ) were not replied Please help me to get the reply from bank and cancel it because I and the seller receive the greatest amount of penalties due to the contract conditions All my attempts of contacts to Bank of America were canceled, no action or support was made Waiting for your kind support and reply Uetr-code : XXXX XXXX  detail attached
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

IM WRITING IN REGARDS TO THIS DISPUTE IVE SENT 30 DAYS AGO AND THESE UNAUTHORIZED, FRAUDGENLET INQURIES REPORTING TO MY CONSUMER REPORT. THIS IS ABSURD THEY HAVENT GOTTEN BACK TO ME AND TO MAKE MATTERS WORSE IVE BEEN PUT IN A MORE DIRE LIVING SITUATION BECAUSE MY SCORE DROPPED XXXX OF MY CREDIT CARD LIMITS WERE CUT DUE TO THIS.
Consumer complaint received 2023-08-14
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. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-03-09
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. (TX)

The XXXX XXXX has reported to the credit bureaus that I was 30 days late on my XX/XX/2020 Mortgage payment. I was not 30 days late on my XX/XX/2020 payment. The XXXX XXXX has even confirmed this information. However, The XXXX XXXX has not contacted the credit bureaus to correct the error as this is the most efficient way to fix the error and get in compliance with the FCRA. My XXXX 2020 payment is showing 30 days late on both my XXXX and Equifax report. This needs to be updated as on time ASAP. This error in reporting is causing a delay in my new mortgage application. All XXXX XXXX XXXX needs to do is contact XXXX and Equifax and update the XXXX 2020 payment as on time.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX and XX/XX/2021, I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX about the unverified accounts XXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy Federal Credit Union is the lender for my mortgage. In XXXX I called them to request forbearance under the CARES Act. When I called to request forbearance, the operator told me that by requesting forbearance it would impact my ability to obtain loans and asked if I wanted to proceed. I asked her why and how if technically under the CARES Act, the lender is supposed to continue to report the payments as being current if the borrower has been current on their mortgage. She then told me that it was up to the credit reporting agencies to decide how they would report the information on my credit report. I again asked her for more information since Navy Federal is not supposed to change its reporting. She ended up telling me that Navy Federal would most likely not extend credit to me during this time and asked if I wanted to proceed. I said yes. As we were going through the process, she also explained that after coming off of forbearance I had the option to pay it back in a lump sum before describing other options. She then read me the other options. During my time in forbearance, I received mailings telling me I was at risk of foreclosure. When I called back about two weeks ago to request to remove forbearance, the operator led with a lump sum payment first and asked if I wanted to proceed. I told her I wanted all my options read before I picked which was best for me. After going through the process, the operator also told me that I had to wait a few days to fill out paper work that would be available through their E-system and was told NOT to make a payment until the paperwork process was complete. She also said the papework had to be physically signed and returned by mail. This process is not yet complete though I have returned the paperwork. I went in today, XX/XX/XXXX, to check my credit reports and XXXX has a line next to my mortgage that states : " deferred, payment date not reported ''
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-02
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. (FL)

IN accordance with the Fair Credit Reporting act XXXX  account XXXX  XXXX XXXX, XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2023-07-11
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-11-02
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. (FL)

IN accordance with the Fair Credit Reporting act XXXX account XXXX XXXXXXXX XXXX, XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

On or about Monday, XX/XX/year>, I received a notice from our mortgage lender, notifying us that I would be in eligible to go on our mortgage loan, as I had a recent collections account. After further review and research, I came to find that Genesis Credit Management had reported a collections account that was opened in XX/XX/year>. The original creditor was an apartment complex in Texas. After multiple back-and-forth phone calls between the deck collector as well as the apartment complex, we discovered this was identity theft. I notified the police and a formal complaint/report was completed. I advised Genesis of this, and demanded this to be removed from my credit. Not only did they continue to argue with me about this, they refused to contact the officer for verification. Due to all of this happening, we ended up losing out on our house that we were closing on, along with over {$17000.00} of money in the process. They have my correct date of birth, Social Security number, email, or phone number. I don't honestly know how they were even able to report anything to the credit bureaus, given the only thing they had was my name and an address that I haven't lived at for over 2 1/2 years.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are accounts that need to be removed off my credit reporting file. I have attached FTC report. I also have reported to XXXX and Texas Attorney General. I am real human this is no 3rd party.
Consumer complaint received 2023-07-11
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. (MI)

n accordance with the Fair Credit Reporting act XXXXXXXX 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 without my written instructions
Consumer complaint received 2022-11-02
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. (GA)

Open Date XXXX XXXXAccount number XXXX account name- XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX These account is reporting error and have not been properly verified which this matter is a violation of my FCRA 605B ( 15 U.S.C. 1681c-2 ) I also have loan closed Student loan accounts that are reporting closed with a owed balance which is also a error and I have sent in dispute letter twice now which no update and validation so please verify all closed student loan accounts there should be no closed account with a balance on it. This is inaccurate reporting therefore please remove these accounts off my credit report and update it due to my FRCA Rights.
Consumer complaint received 2022-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In 2014 I closed accounts due to unemployment and taking care of my mother who had XXXX and then passed in which I was responsible to handle her estate and probate etc. I made arrangements with a few creditors to close accounts and make lower payments. I NEVER took a settlement or paid less than what was owed. I have tried repeatedly to remove these from my report as they have been reported as charge offs and were not charge offs. I continued to pay them and paid them in full the total owed with no discounts or write offs. Currently Transunion has been doing drastic decreases and increases of my credit score on a DAILY basis. Decreases from XXXX to XXXX to XXXX and then it bounces back up by XXXX, XXXX, XXXX and then drops again drastically. I have called numerous times to find out why this is happening as it is NOT happening with the other credit bureaus. As a self employed person I often need to establish credit for working capital and acquisitions. Their drastic decreases and increases have literally caused me the inability to obtain personal and business loans needed due to their not correcting inaccurate information and more so the last few months from the drastic decreases and increases in my credit score. No one can help me. No one can answer why this is happening with Transunion, and EVERY dispute I have submitted is given the same basic answer. No one knows what they are doing. Their english is very hard to understand. They can't even tell me what department I should be speaking with to get assistance for this matter. I have hired credit repair companies and attorneys in the past several years to correct my report and Transunion always give the same generic response and nothing gets corrected. I am beyond frustrated and need this resolved. I have NO late bills, and am not even maxed on my cards. I watch my credit almost daily. There is no reason for these drastic decreases and increases.
Consumer complaint received 2022-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

In accordance with the fair creditors reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open Consumer credit plan as late for any purpose
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.
Consumer complaint received 2022-11-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-11-03
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 submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX  used my information and publicized it.
Consumer complaint received 2022-11-03
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 XXXXXXXX
Consumer complaint received 2022-11-03
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

delete hard inquiries on my credit report. These inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Volunteer Mortgage Loan Servicing (TN)

Paperwork was improperly written up for a forbearance. Worked with them to do a loss mitigation. They told me to make a payment in XXXX and I did. They then sent me a letter saying my next payment was due XX/XX/XXXX with a 15 day grace period and I was expected to make these payments until loss mitigation Paperwork was sent back. I sent the a payment on the XXXX and received an email today on the XXXX that they were sending me a check for my payment because my house was sold to a XXXX party on the XXXX.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo  closed my card down for some bogus reason that it was n't me that applied for the card. Though I went into the branch when I signed up and they made me go into the branch and give my ID  three times .   I have    XXXX   XXXX   cre dit from a payment to my card that wells fargo refuses to send me a check for.   I 've called  100 's of tim es to get my money back and  no one will   help. This is going on for 4 months. I am late on my bills because of it.   I have no other choice WILL have FILE A LAWSUIT AND MAKE COMPLAINT WITH THE attorney general for  wells fargo  illegially holding my funds