davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2022-01-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have been contacting the credit bureaus and auto loan company for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this address and auto loan thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the fraudulent items from my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

I reviewed my Consumer Reports and noticed that I have one late payment on an account that I was never late for. In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 

Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy, however, they are violating 15 USC 1681 Section 604A section 2 which states a consumer reporting agency can not furnish an account without my written instruction. I have never been late on payments for the account that i have included screenshot inside this complain in on dates of XX/XX/year>. 

Please investigate and provide Proof with statements showing that these payments were late and the proof of my written consent to consumer reporting agency to furnish negative items on my XXXX XXXX account. 
If proof can't be provided, I demand these payments be updated to Paid on Time as they should be. In accordance with 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

My son sent me {$5000.00} for rent through venmo on XX/XX/XXXX. I had to make an account to be able to use the funds. So I made an account, the rent transfered to my venmo, and then I tried to transfer the funds to my bank on the XXXX. I was asked to send in a picture of my ID/driver 's license to verify my identity. After I sent that in, I sent another message to the dispute team asking if there was anything else they needed from me. The next day, I received a message that said my account was permanently suspended, and that they could hold the funds for XXXX  days while they investigate. XXXX messages/emails and XXXX phone calls later, and I still have no idea why this happened, when it will be fixed, or if the money will be recovered. I sent them another message stating that the money was needed for current bills, and that my electricity will be shut off if I can't pay the bill. I still have not gotten a response from them.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a XXXX bank account and have no service with other banks except through XXXX. I received a letter in the mail from Bank of America in regards to opening up a debt card account in which I knew it was fraud immediately because I don't do business with Bank of America. I called Bank of America fraud and put in a claim to be flagged and declined immediately for future fraud events. XXXX weeks later I get another letter in the mail with another debt card opened under my name again. I put in another claim and now I am worried my Identity, social security, and more is at high risk.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my utmost frustration and dissatisfaction with the handling of my repeated attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications, it appears that the fraudulent charges persist on my account statement. 

I have diligently reported unauthorized transactions on my account on multiple occasions. Each time, I have followed the prescribed protocol outlined by your institution, providing all necessary documentation and information to support my claims of fraud. However, despite these efforts, the fraudulent charges remain unresolved. 

It is deeply concerning that despite my initial attempts and subsequent follow-ups, the fraudulent items continue to plague my account. Not only do these unauthorized charges pose a significant financial burden, but they also undermine my trust in the security measures and responsiveness of your institution. 

I have made numerous phone calls, sent emails, and visited your branch in person in an attempt to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent charges have left me feeling frustrated and helpless. 

As a valued customer, I expect a timely and effective response to instances of fraud on my account. The repeated failures to address this issue reflect poorly on your institution 's commitment to customer service and security. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent charges be promptly removed from my account, and that measures be implemented to prevent any future unauthorized transactions. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent charges on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The 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 have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you for your time.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

on XX/XX/XXXX I got my credit report to check and make sure things were accurate and reporting correctly. I noticed there were inaccurate and unauthorized inquire that I didn't authorize. I contacted all 3 credit bureaus. I told them these inquiries were all in accurate and they still haven't rectified the situation.i have filled with the identity theft. I have a police report as well for when all my information was stolen on XX/XX/23. I advised the Credit companies ( XXXX, XXXX, Experian ) that this happened and have gotten no help so please look into this.
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (FL)

I have hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to XXXX, Experian and XXXX and they are still reflecting on my account. 
-XXXX XXXX  Inquired on XX/XX/2023 -XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Consumer complaint received 2023-07-20
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. (OH)

I received notification of a collection on my report after it appeared within a day of each other from XXXX and XXXX. Please see complaint XXXX. 

XXXX, a collection agency, apparently purchased a debt from XXXX XXXX (? ) that I did not owe. I don't know how they got my information but it does not belong to me. 

I never received any correspondence from them. I never received any bill from them. I have not been in receipt of any wet ink signed contract stating or affirming that I received services or money from them and agreed to pay them. We have never had any contract. This is an attempt to taint my credit file after I have worked so hard to make it what it is, and fraudulently steal money from me that is not owed to them. 

According to 15 USC 1692 in FDCPA, it is illegal for a Collection Agency to purchase one 's debt and then try to collect on it.
Consumer complaint received 2017-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (FL)

we have payed on the car for 3 years and still owe  XXXX  the car is only appraised at  XXXX   thur     XXXX   XXXX     now bridgequest how can they charge so much how can we pay fair market value without putting a bigger ding in our creditt
Consumer complaint received 2022-01-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TN)

Navient is in violation of the following : 15 USC 1692b ( 2 ) Exhibit A attached 15USC 1692b ( 5 ) Exhibit B attached 15USC 1692d ( 1 ) Exhibit C attached Navient has failed to validate the debt
Consumer complaint received 2024-02-28
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. (MO)

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 2024-02-28
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. (NY)

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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have been a long standing customer with a perfect payment record to XXXX XXXX. I received an alert that I had been late on 2 payment occasions. I have been an auto pay customer since I can remember and pride myself on never missing a payment. This has thoroughly affected my credit score as I am trying to purchase a home for my family. I would appreciate if these can be removed and updated to pay in full. Thank you
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (NJ)

I placed a Complain ( # XXXX ) it came back as resolved??? 
There are many questions. 
1st Question : Hunter Warfield is indicating that " Interest is accruing at the legal interest rate on the account ''? I can not find that information on the Lease anywhere. Also what is the Legal Interest Rate? How much is that? where does that come from?

2nd Question : Water was inside the walls. Sheetrock can be Dry but Mold can grow inside ( Smell is very distinctive ) XXXX XXXX promised that they will get a " Professional '' company to make a full report. I am still waiting for the official report. 
XXXX show moisture meter which shows up to 12 % + of moisture ( 16 % is high moisture in walls ) I am still looking for the report that XXXX promised when I spoke with them. ( I did contact them about mold ) I told Cascade if they get me a professional report ( From certified Company ) indicating that there are no Mold inside the walls and under the cabinets I will pay the charges. 
Also location of the Moisture reading done by? is not indicated anywhere. 
How about under the cabinets ( There was 2 '' of water sitting in the kitchen / Living room area ) CFPB automatically accepting explanations without actual proofs from Hunter Warfield Inc. is not acceptable and I like CFPB to reopen this file. 
Hunter Warfield could have cost me Thousands in higher interest and I would like them to remove this charge immediately.
Consumer complaint received 2021-01-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (FL)

Can you please put stop of this Zwicker & Associates, PC Attorney for Plaintiff and Debt collector their address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX their website Zwickerpc.com sued me at XXXX County, Florida for debt I do not owe for them. 
They dont have validation letter states I owe them. 
They dont have contract that I owe them. 

Again please help me how to put stop of this bully debt collection company.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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. (OK)

XXXX XXXX XXXX claims XX/XX/XXXX- XX/XX/XXXX that the account was not current. It was indeed current. Attempts to make contact have been met with hassle, run around, inaccessible email accounts, and limited contact information. I filed a dispute with credit reporting companies in a limited capacity. As they do not allow me to dispute issues within those date ranges for a reason that is not explained or articulated in any way whatsoever. 

XXXX XXXX dishonestly misrepresented themselves previously during refinancing after a COVID forbearance reorganization of the mortgage. Claiming they did not receive documents that I provided receipts of them receiving. After I filed an FTC claim on that issue they recended their claim and corrected the problem with an apology. 

The ability to contact anyone or resolve this issue is time-consuming, confusing, and misguiding and is not even available to dispute through at least one credit reporting agency. 

I simply desire the errors to be corrected as soon as possible.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CO)

This concern is with us bank home mortgage, I started this process in  XXXX   XXXX . My mother passed away in  XXXX  at the time her home was current never past due. I talked to us bank about putting the loan into my name. Which after several months was done. During that time the loan was becoming past due. I applied for loss mitigation and was approved. During the first two months I was taken out due to have a second mortgage on the account. Of course I had no idea and us bank never told me there was a  Lein  on the property from a credit union, that my mother took out. If I did n't pay it they would forclose. So I paid cu services  XXXX . I then replyed several times  XXXX  and  XXXX  for loss mitigation and after several months denied. I reapplied in  XXXX   XXXX   XXXX . Where I have been in loss mitigation to date. I was denied in  XXXX   XXXX  and I appealed due to us bank not having all the documents and changes made on the account. I 'm still in appeal they have sent m e two additional letters stating they need more time for decisions. I have been in loss mitigation for one year and five  months. The current due is  XXXX . In 17 months being in loss mitigation has put  XXXX  additional onto loan including escrow advances for insurance. I contact us bank weekly ever since I took over the loan to get updates to see if anything is needed I never waited for them to contact me or send letters. I knew the process and it took to long so I took the initiative. I have been through several loss mitigation relationships managers never to be informed of changes. At one point I did attempt to get outside help with first financial for the loss mitigation. But after months they wanted so much money and they were not helping. A cease and desist was placed on the account from them but after I refused services I contacted us bank to take off and they never did. Just to date again submitting a letter stating all of this the letter was forwarded to customer advocacy because of my letter being worded in form of a complaint. Nothing had been done. It is just amazing how I was never told until customer advocacy received my letter that I could pay on the mortgage. I contacted us bank several times to try and make payments they always said i could not due to bein g 5 pay ments past due and then of course the balance was growing. it have to be paid in full. When I did pay they sent payment back. Part of it is still in suspense acct. all I am trying to do is get my home back on tract. My home has been in our family since it was built on  XXXX . It would of never fallen behind If my mother did n't pass away suddenly At  XXXX . All of the loan advisors just told me to put it up for quick sale or a deed in lieu so I can just walk away. That is not right to advise when I am trying to save my home. I only have  XXXX  on this property and the value is  XXXX .