davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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 formally request the removal of late payments and inaccuracies associated with my account number XXXX from my credit report. These discrepancies violate the provisions of 15 U.S.C. 1681a, which safeguards my right to privacy and accuracy of information. 


2. XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. XXXXXXXX XXXX XXXXXXXX 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 an 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. 

I trust that XXXX, XXXX and Transunion will handle this matter with utmost diligence and adhere to the requirements outlined in 15 U.S.C. 1681a. The accurate representation of my credit history is essential for my financial well-being, and the removal of late payments and inaccuracies is crucial in upholding the integrity of my credit report.

Thank you for your prompt attention to this request. I kindly request a written response confirming the actions taken to address the violations of 15 U.S.C. 1681a within a reasonable timeframe.

Sincerely,
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am reporting a dispute with the Bank of America. I have just discovered the root of charges on my credit card that I did not recognize. 
I was offered merchandise as a sample through Bank of America. This merchandise was " free '' and I was being sent it because I was a good, loyal customer, and it was a customer reward. I kept receiving merchandise that I thought was " complimentary ''. Then I received charges on my credit card for {$4.00}, {$5.00}, {$94.00}, {$92.00}, {$94.00}, {$92.00}, {$94.00} and {$92.00}. I was billed through a company called " total solution muscle '' and " healthy revision diet '' from XXXX  XXXX, XXXX. I filed a dispute regarding these charges and I filed a police report not realizing that the merchandise they were sending me was from this company. The merchandise had nothing to do with building muscles or dieting!! 
I never received anything from the merchant stating that I could call to cancel this " subscription ''. I did not know that there was a subscription. I did not know that I was being exorbitantly billed for this merchandise. I thought it was " free. '' I have been misled and deceived. Now I am being expected to pay {$280.00} to this " merchant. '' For an item that I was receiving through a Bank of America scam. Bank of America refused to honor my first " claim '' and I contacted the merchant, ( BOA provided the phone number to me, after they searched for it and found it, and this took awhile ... ). and they told me that they were a " third party '' and that their company did not have a name, but that it was for " face serum ''. I offered to return the product and they did not want me to send it back. When I did contact the merchant, I realized that I have been duped! I tried to contact Bank of America, and reported this to their fraud department. Bank of America is in league with a company that is abusing clients!
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Law Office of Brett M. Borland, P.C. (IN)

I received a letter XX/XX/XXXX about the owed debt in which prior had communicated during a phone call not to contact me about debt. I had repeated calls in which after the letter was received made contact with them to provide in an email the reason this debt is not owed under Kentucky state laws of unlivable infestation of bugs. I emailed this information on XX/XX/XXXX to the law office of Brett Borland as they requested. The office then advised on XX/XX/XXXX that I should had disputed this with the credit collections company before the debt was sent to their law firm. I had advised the credit collections company that I dispute this debt. On XX/XX/XXXX I set payment arrangements to pay this debt off in which they said they do not report to credit bureau until paid off in full.
Consumer complaint received 2023-01-06
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX .... Balance {$4600.00} ; XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX Date of request XX/XX/XXXX.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 these items, 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 these inaccurate items in my 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
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.
Consumer complaint received 2016-01-22
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I received a second notice from a law firm in XXXX alleging that I owe the XXXX XXXX # XXXX for non-payment of a road toll. In the second notice they say I did not respond to the first notice, when in fact I did respond to their first notice. In my written response I told them the debt was not mine and explained why I did not think so. I also called the collectors to explain but they insisted that I provide proof. 

Do I have the burden of proving their allegations are false before they will stop their proceedings? I live in the XXXX XXXX XXXX XXXX. This is a toll for a roadway near XXXX. No car I own has been close to it.
Consumer complaint received 2023-03-01
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)

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 these items, 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 these inaccurate items in my 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
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Today, XX/XX/2020, I tried to temporarily lift a security freeze on my Equifax account using the website, at XXXX XXXX. 

The website was unresponsive after I got to the " lift freeze '' step, and then after clicking " refresh '' and retrying several times I finally got through to a screen that simply said " We can't complete your request right now ; try again later. '' I also tried to call Equifax but they are closed after XXXX. 

I have a deadline of XXXX to lift the freeze so that I can take advantage of a good mortgage rate and get the rate lock in place. 

Note that Equifax is required BY LAW to lift a freeze within one hour of a request, either on website or phone. Their phone lines are down, and the " unfreeze '' button on the website is broken. 

It's possible I'll miss out on a good interest rate due to Equifax 's incompetence. 

I don't understand why these scammers are still allowed to operate. Clearly the lawsuit they lost hasn't made them fix their corrupt operation.
Consumer complaint received 2022-11-06
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. (TN)

This is a reply to compliant number XXXX. The reporting agency stated the information was accurate. Equifax sent me documents stating the bankruptcy was verified through XXXX XXXX. My consumer report with XXXX XXXX has a freeze on it, so that can not be how they verified the inaccurate bankruptcy they're reporting. They violate 15 U.S.Code 1681e ( b ) compliance and procedures. Accuracy of report. This inaccurate information needs to be removed. This is my fourth attempt to have them rectify the situation and it's causing me a lot of stress.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I have contacted PayPal multiple times requesting information regarding a fraudulent PayPal account opened using Identity Theft. They told me they have no records of the account and there is nothing they can do. The fraudsters have siphoned off approximately {$7800.00} since 2017 from my checking, saving, debit, and credit cards. Paypal denies all of this.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaintXXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2200.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX
Consumer complaint received 2023-02-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

We began a refi in XX/XX/2022 with a new lender XXXX Mortgage. This new lender has requested XXXX years worth of payment verification for the XXXX, as well as our mortgage, from our current lender Huntington Bank. Upon multiple phone calls to XXXX with these requests, XXXX in turn requested that the third party be the XXXX  to fax or make these requests. XXXX  has sent at least XXXX different requests, by fax, phone calls and emails. XXXX also requested XXXX get involved to dispute a late payment XXXX reported 30-days past due. A three-way conference call between us, XXXX and XXXX also happened requesting that these statements be provided. The XXXX representative asked and confirmed an email and phone number for XXXX, because they would be following up. XXXX and XXXX have been following up daily. XXXX to date, has not provided any of the parties involved. any documents for payment verification so that we can move forward and close. When XXXX was questioned regarding if they have sent this request to XXXX, they claimed on XXXX different occasions they were sent. When we followed up with XXXX and XXXX, they both state differently, that their phone calls and fax requests have all been ignored by XXXX and no response or documents have been received. XXXX has delayed the closing date for this refi by XXXX months already.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a credit card and SBA and was declined for negative credit history. I discovered a Capital One credit card account was opened in my name fraudulently in 2018 and I began the process to dispute the account. I received a letter from Capital One stating the credit account was verified as valued due to a matching former address. Capital One never looked into the cellphone number, the original information used to open the account, the police report filed, and the payment source used to make payments to find the person behind the account. Capital One told me to ask for a letter from the Post Office to verify I did not live there in 2018 and then refused to research the other information they had on the account. Capital One also asked me to confront the accused party of fraud, which is not lawful and ethical. Capital One refuses to act on this fraud case and has maintained I am responsible for a debt I did not create. It is impeding my ability to obtain credit or move further professionally.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCE CORPORATION (CA)

I have an account with OneMain. 

I fell behind on this account. The company called me at work and at home. They harrassed me. I asked them finally to stop calling. 

I resumed paying this account in XXXX. I have made payments in XXXX and XXXX. 

In XXXX, I called the company. I spoke to a representative in the credit department at the company. I apologized for my loan being late. I told her that I was making regular payments. I asked the person if my credit report would be updated.. The person thanked me, said that she understood, and informed me that my report would be updated by the company to reflect the payments coming in. 

Instead, the company charged my loan off as a bad debt. I made another payment in XXXX and noticed no update to my report, until a review by me indentified the charge off. 

The company 's credit department refused to work with me. The explained that changing the report would be " dishonest '' even though I called them and started making payment again before the charge off. 

This is very bad business practice. I am asking for the company to change my report back to show that this account was behind, and that I am now making payments. The " charge-off '' should be removed from my credit report. As it stands, the only way I can rectify this matter now is to pay the loan in full which will cause me significant hardship. 

What is troubling is that I received two different responses. I was never told by the company when I phoned in XXXX that my debt would be charged off. I was thanked for resuming payments and for wanting to work this loan out. Now, when I call again, I am told something completely different. I accept responsibility for this. I made an attempt to resolve. That attempt was received. The company arbitrarily changed its stance and has taken a position now that has done me harm. 

I continue to make monthly payments to OneMain. My next payment is on XX/XX/XXXX.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (DC)

Our names are XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you and family are well during these unpredicatable and extenuating times. 

We needed to file a claim in regards to refinancing. We have been trying to resolve an ongoing issue ( s ) with Shellpoint and felt that it was necessary to refer to you for advisement. We have been trying to resolve the issue of credit reporting on behalf ofthe third borrower, XXXX XXXX XXXX XXXX. ( my father ) ; as of now we are all making payments and no payment or credit line is being reported on his behalf. 


We've been relentlessly trying to get Shellpoint to solve this issue since midXXXX. We've sent the right emails with the right documentation, but, only to be presented and met with conflicting information along with false reassurance ( s ). We have been told in writing that this was going to resolved months ago in XXXX. 


Here we are in middle of XXXX and it has to have been taken care of, as my father 's credit report still has not been updated. We are completedfrustrated at this point, as we can not move forward with the VArefinancing process until this credit matter has been taken care of. 

Please assist us and look into this problematic company that has a very troubling user record with the XXXX.