davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section2 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 and 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.
Consumer complaint received 2023-02-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Our escrow account was charged tax by mistake. 100 % XXXX we do not pay any tax. This raised our payment over {$1000.00} more a month. 

We told them and they readjusted however for XXXX  not XXXX. 

We told them we wanted an escrow analysis ( insurance went up a little and we can pay the overage on that so our payment could stay about {$2200.00} a month ). 

Instead theyre still charging us XXXX XXXX this month ( XXXX ) and then lowering to $ XXXX which is still {$100.00} more than before when we can make the payment on the insurance overage. We shouldnt be paying an extra {$1000.00} this month either.
Consumer complaint received 2020-01-08
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. (CA)

Today XX/XX/2020 I discovered an account and many inquiries on my credit report that do not belong to me. I did not have anything to do with this account or inquiries and I did not allow anyone to open this account or make these inquiries in my name using my personal information. I don't know who did this but I already filed a police report ; I did not benefit anything from these inquiries and account nor did I ever made any payments towards this account that was opened in my name. I have never had any written or verbal contract with any of these companies and I did not give them permission to run or access my credit information.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (NY)

First Advantage supplied a list of 71 judgments & liens on me to XXXX XXXX. They are all incorrect, either duped 4 times, and all satisfied any years ago. 
I have written to First Advantage for a copy of this list to dispute it. They have not sent me a copy. I sent two written requests.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXXXXXX XXXX XXXX XXXXXXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Consumer complaint received 2023-02-03
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. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AZ)

on XX/XX/2018 I received notice of an XXXX computer ordered on my XXXX account. I called customer service and cancelled the order and the credit card that was opened in my name in fraud. I then received the card and called Syncrony Bank and again cancelled the card and closed the account as fraud. 
I have systamatically changed all my login passwords to hinder the thief that tried to do this to me.
Consumer complaint received 2023-02-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

We were on automatic payments with NewRez for 2 yrs no issues until XX/XX/XXXX they stopped taking payments. Did not notice until the second payment was not taken out for XX/XX/XXXX. No notice, email, or call. Recieced letter mid way through XXXX about missed payments. We changed nothing on our side. Website showed we did not have an account set up for payments and told us we had to reapply to set up autopayments. Even though we paid the back balance with the account they said we do not have on file or set up. Next shows we have autopayments still set up. Ok shows that next payment is set for XXXX. Come XX/XX/XXXX the website show no account or autopay set. Says to resubmit. Log in next day autopayments are showing again. Day XXXX of XXXX no autopayment is showing manually paid and is still not taken out of account. When we contacted they they said the issue is not on their part but our side. We have had XXXX for 17 years paid our mortgages on autopay through them and never had an issue. Over 11 years with XXXX XXXX not 1 issue. XXXX buy new house mortgage gets sold to NewRez no issues first 2 years and now this. Dropped my credit report over XXXX  points because of this and never had a missed payment in 20 years. This trash and I should not be pu ished for their mistakes. I hate this company and they have hundreds of reviews saying the same things. Worst company ever had to pay or depend on.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (TX)

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 this account, 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 this inaccurate account in my file. 
XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Collection Information Bureau, Inc. (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX I know the XXXX XXXX industry in XXXX is a front for illegal activity, AMEX knows the XXXX XXXX industry in XXXX is a front for illegal activity, the police know, EVERYONE KNOWS. Even the XXXX drivers know if they have been in the country for XXXX  months. 

But AMEX collected money from someone who was XXXX assaulted in order to pretend it isn't and justify their paperwork. They lied, they hid evidence, they sent me to a mental ward, they destroyed everything my family worked for to blame someone who dared to question the bogus charges documented many times in thousands of their receipts over the years that are artificially inflated to cover the illegal activity of the XXXX trade. All hidden under " entertainment. ''
Consumer complaint received 2022-09-30
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. (CA)

It appears that my credit//my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (FL)

Hello we applied for the mortgage assistance program 8 months ago. An application was submitted. During this time we were told that our loan was under review for assistance. In the month of XXXX we were told that our account was eligible for partial claim option by cross country rep XXXX ID : XXXX. On XX/XX/XXXX it was confirmed by rep XXXX that the account was now going to be reviewed for partial claim. As the months passed numerous phone calls were made and all reps kept telling us the account was being revied for partial claim. 
On XX/XX/XXXX come to find out our account was never reviewed for the partial claim and based off the application we submitted we were denied all home retention. We were informed that our loan needed to undergo the COVID FB, which at no time this was disclosed to us, prior to requesting the partial claim. Now we are in the mist of losing our home due to cross country. Please help us as my kids and i do not want to lose our home. We have been ready to resume making payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Any help on getting them to help us would be greatly appreciated.
Consumer complaint received 2022-09-30
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 : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00}
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXXout of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.
Consumer complaint received 2023-01-17
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. (NY)

The reason why I'm following this complaint is because this repossession date is XX/XX/2015 and I spoke to the creditors multiple times over three months and they stated that they have sent a request to this bureau to have the repossession remark removed off my credit report for over three months and it still on my credit report it's been over seven years from the time of the repossession and the remark is affecting me and I have tried my best I've sent numerous letters to this credit bureau and still nothing has happened this is a violation of my rights because I know it should be not it should not be on my credit report no more than seven years from the time the delinquent has happened and it is over seven years now I need this repossession for remark remove my credit report it has been removed off of XXXX XXXX but not this credit bureau.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I applied for an American Express Card through XXXX XXXX. I was super excited to have this card. My application did not mention the annual fee and for both cards one was {$690.00}, and the other card was {$170.00} totaling {$870.00}. I did not order a second card I am only one person. These charges were not disclosed to me at the time of application and immediate acceptance.

I have spoken to American Express, and they are cancelling the card and charges. However, this is an unethical practice.

I am seeking damages as this cancelation will cost me point on my credit score. 


XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting 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)

According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as XXXX and Transunion, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

Man at this point I am really sick of trying to deal with this company. 
I called Sagestream and left a voice message AGAIN and no one answered as usual NOR did anyone call me back. Hoping to get what I need done through here. 
You guys should really double check that these companies are submitting working numbers because they aren't working for us consumers. On top of that the ID 's I sent were clearly visible so it seems like they are just playing games with me.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have attempted to gain access to my account at Experian for the last two weeks and can not get past their phone tree to talk to a human being. Their automated response has informed me that they can not forward me to a specialist.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

15 USC 6802 : Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
Consumer complaint received 2023-01-17
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. (IL)

To whom it may concern, Transunion XXXX XXXX credit union Case # XXXX & XXXX As a consumer my rights have been violated by Transunion & XXXX per The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Both credit bureaus are stating that XXXX XXXX XXXX IL furnished this information. However, I have a letter stating that " The United States Bankruptcy Court does not report to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. 

I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our business has a well funded checking account for more than two years. We have been cut off from accessing that account through credit card and debit card access. Also, we applied to Bank of America for a XXXX loan, which was granted, but after requesting forgiveness through our website login, we have received no documentation for a year. When contacting Bank of America, they claim that they have no ownership, knowledge, or any information. When calling the number that they provide, the people have no knowledge at all of any loan.