davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
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)

Hi, my name is XXXX XXXX. 

I have contacted Experian six times now about XXXX XXXX XXXX. Experian is still reporting this account as an open with a balance. In Fact, This is a closed account and there is no balance due. I have attempted many times to solve this on my own with this company. Three online disputes was sent on XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also sent two letters on XX/XX/2022 and XX/XX/2022. I have also called and spoke with agent XX/XX/2022 to let them know that they are only updating wrong information. Nothing has been done at all. 

I have reason to believe that Experian is now willfully ignoring the fact that they have reported incorrect information on my consumer profile. I am DEMANDING that this is remove ASAP the incorrect information from the credit report.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My savings account at Bank of America, which has 3 names in one family was suddenly frozen without any warning. I immediately ( within days! ) went to the branch and the manager said that an " XXXX update '' was needed on one of the account holders. On that day the contact information of the individual was updated at the branch but the freeze could not be fixed in the bank, and the account holder had to call a XXXX number. The account holder did so and was told that although all was in order now, it was " too late '' as the bank had already decided to close the account and send the remaining funds to us via check. This account was opened over 30 years ago ; moreover, the account had 3 names and in case they first tried to contact the deficient party, they could and should have tried to reach the other 2 " OK '' parties and warn them about an impending freeze, so the problem could have been quickly solved.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is reporting two accounts as open that should not be open and were included in XXXX 

XXXX- is reported open XXXX XXXX- is reported open By having these accounts reporting open it is lowering my credit score. This seems to be a habit of Transunion.
Consumer complaint received 2023-07-19
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: CrossCountry Mortgage LLC (MI)

Ive spoke with the agent who left me a message regarding the updated info that was needed on my credit report, she stated only one credit reporting agency XXXX gave her the report back and that I needed togo unlock my report from the report XXXX and XXXX I immediately replied um I didnt know your guys was going to run my report- I thought you was collecting it just to ask later after everything else was approved - no where in your application stated that you need a score of XXXX to qualify in fact the marketing was quit misleading - the application has a very tiny 3 pt letter size or smaller that the agent pointed out that - I clearly did not see- I explained I was in a credit counseling program and would not have agreed to pulling my credit thats why they was only able to pull one - so they market that they dont do traditional loans they go bye documents to mislead that they arent going to SSN then in the middle of the entire form they ask for your SSN no where on that screen do they inform you that they are going to do a hard inquiry on your report - no one would give me corporate number I told them that I would complaint to the XXXX and to Consumer Finance If they didnt remove that info immediately non permissible usage 15 U.S. Code 1681b - Permissible purposes of consumer reports please have them remove it now.
Consumer complaint received 2023-10-18
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. (PA)

I want TransUnion, XXXX and XXXX to answer my letter. I've been sending them letters since XXXX and I haven't received any response from them. I was also wondering why these inaccurate accounts that have long been disputed are still being reported on my files? I urge you to have my credit report corrected immediately and remove these accounts from my credit history. 

1. XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # : XXXX 3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) - Account # : XXXX 4. XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) - Account # : XXXX 5. XXXX XXXX XXXXXXXX - Account # : XXXX 6. XXXX - Account # : XXXX 7. XXXX XXXX - Account # : XXXX
Consumer complaint received 2022-12-19
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-04-16
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: EQUIFAX, INC. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX I received a letter from XXXX stating there was a fraudulent application from Capital One, XXXX Capital One, XXXX VA XXXX and that the inquiry on my credit report has been removed. I called Capital One at XXXX and spoke to a representative. I informed them of the above information, what the letter entailed and that in accordance with the Fair Credit Reporting Act I would like to obtain all documentation from the fraudulent application. The only application/account they could confirm was from XX/XX/XXXX for a Venture One credit card ( which I never applied for ). They confirmed that the application was reported as fraudulent ; I asked them for all documents under the act for that account. They stated they do not give out information pertaining to fraudulent applications and to contact the credit agencies. Problem is the letter from XXXX states I have to contact the company directly to obtain documents and information. After going around and around about my rights under the act they kept repeating they do not provide information because it is their policy and it was already reported to the credit agencies.
Consumer complaint received 2022-04-16
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: AMERICAN PACIFIC MORTGAGE (MO)

On XX/XX/15, a company by the name of XXXX XXXX XXXX XXXX placed a hard inquiry on XXXX credit profile from the requested party : AP Mortgage. I did not give written or verbal authorization to run my credit report at anytime.
Consumer complaint received 2022-04-16
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)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2022-12-19
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-19
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2024-03-12
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. (PA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX  XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Since the dissolution, by divorce, in XX/XX/2019, of the marriage with XXXX XXXX, and the resulting property settlement, which placed the property in my sole ownership, I have tried to remove my ex husbands name from the mortgage loan. For New Rez in care of XXXX Mortgage Service, which this complaint is against, unlike for XXXX XXXX  and XXXX XXXX which have received the divorce settlement documents and responded by removing my ex-husbands name from the mortgages they hold, New Rez has demanded a 1 % fee to remove XXXX XXXX name. The latter two mortgage companies just responded to the judges ruling and removed his name. I do not know where my ex-husband is. I do not have contact information on him. Therefore, regular business requiring his signature such as a forebearance plan, a refinance, a sell, or any other normal business activities can not be accomplished.

During the covid 19 pandemic many financial hardships are being dealt with and I think to require a 1 % fee to simply drop XXXX XXXX name from the mortgage, as other mortgage servicing companies have done, is gouging and is taking advantage of the consumer. The letter they sent requires the fee be no less than {$400.00} and no more than {$900.00}. Their letter states a 1 % of principle fee which in my case would be {$140.00}. so it is more like 3 % in my case. Not only that but their instructions require all borrowers signatures which is impossible because, as already stated, I do not know where XXXX XXXX is and have no contact information on him. There is every possibility that I may lose possession of this home since this month I asked for a forebearance period on this house. At the end of the forebearance period they will no doubt ask for his signature on documents which I will not be able to provide. This mortgage servicing company is using this request as another income stream. This procedure was not disclosed on the mortgage document at signing of the mortgage documents.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase continues to re-order transactions in their best interest to charge fees to my checking account. There have been several instances over the last 2 years where this has happened. In XXXX my account was charged nearly {$1800.00} in fees and in XXXX it was charged over {$2000.00}. During that time I received reversals of close to {$500.00}. However, that is not enough " good will '' to satisfy my as a consumer. In several instances, I have submitted payments originating from XXXX XXXX to be deducted from my account to coordinate with my Friday bi-weekly payroll. Chase will deny the transaction for insufficient funds when they are clearly available and charge a fee for a returned draft. Then, a few business days later, XXXX will resubmit, Chase will pay and then charge me for insufficient funds. Now, ive been hit for XXXX fees for the same transaction. 

Other transactions, such as XXXX they claim are recurring charges because XXXX " retains my card information '' and over the weekend charges are presented and then charged fees when deducted on Monday for Non-Sufficient Funds. I elect on Chases website to not allow overdraft from debit cards yet have been charged many times for debit card transactions. This is not explained in my cardholder agreement and I have been misled by this bank. Chase has been sued for charging fees before and without an agreeable resolution I will look to an attorney.
Consumer complaint received 2022-12-19
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. (VA)

1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681.

2 ) .TransUnion is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed. 

3 ) .According to 15 USC 1681 : I have the right to privacy, I haven't not given TransUnion written permission to furnish these accounts. 

Accounts : XXXX )XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX  XXXX
Consumer complaint received 2022-12-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (AE)

In 2016 it was said that I made an online request for some money. It was not me. NCB management has all they document they need in order to take the collection off, but they are stating I need fraud packet.
Consumer complaint received 2022-04-16
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. (AL)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Timely payments have always been a priority for me on this account, preventing any instances of overdue payments. Yet, I'm perplexed by the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, it's imperative to correct such errors.
Consumer complaint received 2022-10-13
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. (NJ)

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous times. I demand the accounts listed below be removed because ; According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

The auto company credit acceptance corporation is showing me 180 to 190 days past due on my auto loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my car loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do
Consumer complaint received 2023-03-11
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$65000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

I attempted to contact these companies on two different occasions via mail and once over the phone to receive documents showing the account in question with signatures of all parties involved to validate the accounts and debts. I never received such documents or any type of follow ups from the companies. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the accounts I have individually inquired about and got as much information on. Again, I did request information on all these accounts via the mail TWICE and once over the phone and got no documents with signatures from all parties involved or heard any response to my inquiries. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 


PleAW Hvw these accounts deleted off of my credit report.