davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX XXXX XXXX numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling XXXX  about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR  to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that XXXX notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the fourth time. On XX/XX/XXXX I called XXXX and requested for my credit profile to be reviewed and the CSR verified that no car loan from XXXX was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call XXXX and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my XXXX XXXX XXXX has not reported accurately to my credit profile after XXXX  months of paying on time payments to the company.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Multiple Errors Across All 3 of My Consumer Reports for an Account XXXX 
Date Opened Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

Date Last Active Can not Be THREE Different Dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Date of Last Payment Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

The Date of Last Payment is The Date of Last Activity. This Alone is a Severe Consumer Reporting Violation. 

No Balance Can Be Listed On A Charge Off Account. That's Double Jeopardy Violation. 

The Legend Account Status for this Account : Is Empty/Blank for XXXX. 
Listed As CO repeatedly Every Month for the Past 2+ Years on My XXXXXXXX Consumer Report. 
Listed as OK on My Equifax Consumer Report repeatedly every month for the Past 2+ years. 

I have Lost Count of How Many Violations and Errors appear throughout my consumer reports. XXXX, XXXX and Equifax have all Numerous Consumer Reporting Violations, Errors, and Misrepresentations of my consumer reports. 
This continues to cause severe harm to my consumer reports and Violates My Rights.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following account XXXX XXXX acct # XXXX was charged off as of XX/XX/XXXX XXXX Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My original mortgage is with Bank of America and on XX/XX/2020 I refinanced with a different company and a wire was sent on XX/XX/2020 to Bank of America to pay off the mortgage, with the correct routing number, mortgage account number, and the correct amount that was provided by bank of America ( info on payoff statement ), my correct name and address and the payment has not been applied. I have contacted Bank of America on 5 different situations and have spoken with multiple representatives whom 3 have stated that they will escalate the issue and it will be resolved within 24-72 hours ; the first  time I was told this was back on XX/XX/2020. When asked for a ticket/case number I was informed there was not one available. when I asked for a name, representative, or phone number of someone that I could follow up with directly, again I was told there was not one available. I then asked if they could put in a request to have someone  reach out to me to verify that it has been completed and I was told that was not available. This one call took over 3 hours total. I have since called other times ( XX/XX/2020 and XX/XX/2020 ) with the same responses and still nothing is being done. I am well over 6 hours of my time invested in trying to get this resolved via phone. I also submitted an email to Bank of America from their online website, with no respones.. Bank of America has me listed as being delinquent on my mortgage since they haven't processed my wire from XX/XX/2020 and my payment was due XX/XX/2020. We are coming u

p on 30+ days delinquent and I fear that my credit will be effected by this as well. I do not see how a financial institution is able to sit on a wire transfer without processing in a specific timeframe. Any Assistance would be GREATLY appreciated as I am becoming very frustrated and would love to get this resolved.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

my wife and i had been trying to receive a loan modification from wells fargo home mortgage we were denied at first, then approved, then they sent the money back. we have been doing this for over a few years. the amount of fees and penalties and no response finally we did receive a modification but it put us in money owed over XXXX dollars.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Accounts have been disputed multiple times for false reporting, and inaccurate information, as well as incomplete information. Account Status never updated to in dispute. 

Status last updated XXXX despite multiple disputes opened since. Transunion continues to use automated investigations and refuses to comply with FCRA Regulations. 

Date of Last Payment is inaccurately reported in XXXX for both accounts, while XXXX  has no date and XXXX has a completely different date. 

Incomplete payment history reported- with late payments. How do you have this without a payment history available?
Consumer complaint received 2024-01-18
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On or about XXXX, XXXX  ; I Consolidated a Private Student Loan from XXXX to a Federal Student Loan/Dept of Education Loan Serviced by XXXX. 
Since this time, i have been trying to get this transferred loan off of my credit report. I have written letters to XXXX, have filed complaints and have done everything that I can think of to get this loan removed. As of today, This Student loan Is Still Showing as Open with a balance of {$22000.00}, Dept of EdXXXX XXXX XXXX is also showing with a balance of {$22000.00} ; which means that this loan is showing on All Three Credit Reporting Agencies as TWO Open Loans instead of ONE.
Consumer complaint received 2017-08-05
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. (UT)

Attempted to place a freeze on my credit with Experian. Made numerous attempts on their web site and phone. Placed on hold for long periods of time only to be transferred and then hung up on. Ultimately the freeze did not happen. Their only other option to initiate the freeze is to send a lot of my personal information through the mail which if in the wrong hands will only expose my identity to more risk. The other agencies made it easy to place freezes.
Consumer complaint received 2020-09-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (DC)

I received a call from XXXX ( XXXX ) XXXX from a company called EOS - EOS, XXXX XXXX XXXX, XXXX, MA XXXX attempting to collect a $ XXXX debt for a private student loan I received and paid off. They provided me with a home address that I was completely unfamiliar with, but appeared to be the location where my cosigner lived, someone I am no longer in contact with. This debt was paid in full years ago. I told them any attempt to collect any debt should be sent in writing to my home, but they were unable to verify my home address. Further, the only information they were able to provide me about my account was my date of birth, the name of my college, and the name of my co-signer and his address and a debt amount of XXXX. When I told them that all of my student loans were paid in full, they asked that I fax verification to their company at XXXX XXXX XXXX. Upon XXXX  this company, it appears they try to collect on debts that have already been closed, and report to credit agencies. If that should be the case, I would dispute it because these accounts are closed.
Consumer complaint received 2024-01-18
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX, XXXX XXXX Equifax Re : Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX , Equifax, XXXX Re : Below Late Payment Dispute Letter XXXX XXXX XXXX XXXX Way XXXX , NC XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear XXXX Re : Account Name and Number Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX  Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act.

Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX Below is an account that is being adversely reported on my credit report. A review of my records has shown that this creditor was Double Billing me during the time they are reporting I was late. 
XXXX XXXX XXXX Please investigate this creditor immediately as this item is most definitely being reported inaccurately and should be removed from my account. 
Further I will be asking the creditor directly for documentation relating to the details of my pay history with them as they are required to provide per the Fair Billing Act. 
Please investigate and remove this item from my credit history as I know the creditor can not accurately verify this information as it is incorrect. Please contact me with any questions. 
Thank you, Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

This communication is in reference to my LexisNexis Accurint Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This communication shall serve as notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The items in dispute are the Incorrect Addresses that LexisNexis is reporting on my LexisNexis Accurint Report. This is my eighth notice to LexisNexis regarding the incorrect addresses that LexisNexis is reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER lived at these addresses and I have NEVER been associated with these addresses. I have notified LexisNexis several times, prior to this communication, that I am a victim of a mixed file at XXXX. Additionally, I have notified LexisNexis that I am a victim of identity theft. LexisNexis is reporting incorrect information that does NOT belong to me. I insist that LexisNexis correct its records as follows : The following addresses are CORRECT. I HAVE resided at and am associated with the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are INCORRECT. I have NEVER resided at or been associated with the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, LexisNexis has previously reinvestigated the incorrect addresses and determined them to be UNVERIFIABLE. Since the incorrect addresses have been previously investigated by LexisNexis and were determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that the incorrect addresses be promptly and permanently removed from my LexisNexis Accurint Report.
Consumer complaint received 2024-01-18
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-18
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. (OH)

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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.