davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (TX)

All 3 Credit Bureaus are dinging my credit for Short history. XXXX points. First, this is discriminatory and misleading. I am XXXX yrs old and while some accounts no longer show on my credit. I have at least a 40 year credit related history. My home was paid off with XXXX in XXXX. Where is that mortgage history payoff? 
Theres many more examples. These inaccurate credit dings are causing damages in form of higher interest rates on current and future purchases. Bottom line these acts are breach of fiduciary and unlawful. They violate several Federal Consumer Acts. Please correct before I have to take legal actions.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY XXXX CONSUMER CREDIT REPORT, I AM CHECKING ALL INFORMATION THAT IS IN ACCURATE I CAME ACROSS SOME ACCOUNTS SHOWING SAME NAMES TWICE FOR ACCOUNTS XXXX. WHICH IS XXXX XXXX XXXX IS SHOWING TWICE ALSO SHOWING ACCOUNT OPEN ACCOUNT # XXXX. SECOND ACCOUNT UNDER XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT SHOWING OPEN AS WELL. 
XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX THERE ARE SOME DISCREPANCIES, INACCURACY, WITH THESE SAME ACCOUNTS. I HAVE A LETTER FROM XXXX XXXX  XXXX, STATING THAT THEY WILL OR HAVE ASK THE CREDIT REPORTING AGENCIES TO REMOVE THE ACCOUNTS FROM MY CONSUMER CREDIT REPORT.
Consumer complaint received 2021-01-27
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: AMERICAN EXPRESS COMPANY (CA)

Estimated time of charges : XXXX XXXX - XX/XX/XXXX Merchant : XXXX XXXX XXXX Amount charged : Approximately {$7000.00} - {$8000.00} XX/XX/XXXX : I did not ever receive any fraud alert or suspicious activities of my credit card being used despite having that service enabled. After noticing the fraudulent charges I called in to report them and was told that the charges will be looked into and that I will not be held liable for them. I received a new card, however, the charges continued to remain on the account. 
XX/XX/XXXX : The fraudulent charges appeared from the merchant again. Multiple charges of {$5.00} and {$10.00} were being made every few days. 
XX/XX/XXXX : I noticed these new charges then and called in to report them. The card was closed and a new card with a new number was issued. I was told that they'll investigate further into the charges and I would not be held liable for these amounts. 
XXXX XXXX : The fraudulent charges continued to remain on the account and after calling in regarding the charges, I was told that it takes a while for large amounts to be investigated. During all of this, I was still using my card often and making payments on it every month. I was given an interest fee every statement due to the fraudulent charges remaining on the account. 
XX/XX/XXXX/XX/XX/XXXX : I called in again regarding the interest fee and was told that if I was cleared of the fraudulent charges, I will receive a refund on them. 
XX/XX/XXXX : I haven't received any notice regarding the fraudulent charges and I called in again questioning the status of the case. I was told that due to COVID-19 that it will take a much longer time for them to investigate. 
XXXX XXXX : No updates were received, I called in again and was told they're still looking into it. 
XX/XX/XXXX : No updates received still. I called in again and was told they will send out a letter for me within 10 business days to sign confirming that what I reported was fraud. I still haven't received any letters and called in 2 weeks later about the whereabouts of the letter. I was told that the case has been closed and it is determined that the fraudulent charges were considered to not be fraud. They refused to give an explanation that led them to this conclusion and I was told that one of their supervisors would get in contact with me the next day. No one has contacted me yet. The statements in question are no longer accessible in my online account and when I asked for copies they said they could not send them to me.
Consumer complaint received 2024-01-31
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. (VA)

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.

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.
Consumer complaint received 2024-01-31
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. (TN)

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.

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.
Consumer complaint received 2024-01-31
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. (VA)

I am writing to file a formal complaint against XXXX, Transunion and XXXX, regarding the unlawful use of my personal information. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in investigating and resolving this matter. 
There are multiple inquiries on all of my reports that go against 15 USC 1681 ( b ) : " ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. '' There are a total of two accounts on my credit reports that are listed as charge offs and all charge offs are forms of income and should not be listed on my reports.
Consumer complaint received 2023-05-29
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. (TX)

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

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Equihome, LLC (CO)

I am not the borrower. I am the VA real estate appraiser involved in a VA mortgage refinance ( VA Case Number XXXX ) by Equihome Mortgage XXXX mortgage broker ) / XXXX XXXX ( owner ) that closed in XX/XX/2022 in XXXX  XXXX XXXX XXXX  XXXX 

Unfortunately, the VA Appraisal Invoice remains unpaid though the originating lender, Equihome Mortgage, has promised to pay multiple times including to myself, VA staff, and the funding lender. 

Colorado Revised Statute 12-10-713 requires the appraiser to be within 90 days of report delivery or within 30 days of the loan closing, whichever is first. 

The VA Lenders Handbook requires the VA Appraiser to be paid within 45 days of the XXXX being issued. 

The 1805 VA Appraisal request contains the following certification for submission to VA : On receipt of " Notice of Value '' or upon advice from the Department of Veterans Affairs that a " Notice of Value '' will not be issued, we agree to forward to the XXXX the approved fee which we are holding for this purpose. 
The following is the case timeline : XXXX : VA XXXX requested XXXX : VA XXXX delivered to the VA portal. 
XXXX : Notice Of Value issued based on my appraisal report. 
XXXX : Per the Assessor record, the VA mortgage was recorded. 
XXXX : Equihome Mortgage / XXXX XXXX promised to pay the outstanding VA appraisal invoice after I contacted them for payment. " Vice-President of Operations '' XXXX XXXX was CC 'd on this email. 
XXXX : Equihome Mortgage / XXXX XXXX  again promised to pay ( " checks in the mail '' ) to a VA senior staff member. XXXX XXXX asked for my bank account number, which I declined to provide for obvious reasons. 
XXXX : Payment not received. I filed a complaint with the XXXX XXXX XXXX XXXX XXXX for possible violation of CRS 12-10-713. 
XXXX : Payment not received. The wholesale funding Lender, XXXX  XXXX XXXX upon my request for payment, contacted Equihome Mortgage for the status of payment. Equihome Mortgage / XXXX XXXX reported the " checks in the mail '' as of XXXX. 
XXXX : Payment not received. I contacted the XXXX XXXX XXXX XXXX  XXXX XXXX Equihome is based in Utah ) to inform them of the situation ( sent them the email chain regarding requests for invoice payment ) and the fact that Equihome Mortgage has an expired license. They responded with an invitation to file a complaint through their online portal, which I did. 
XXXX : The XXXX XXXX  responded with a letter indicating an investigation of Equihome Mortgage has been started. I also emailed the funding lender, XXXX  XXXX XXXX, advising them that payment has not been received. 
XXXX : Payment not received. I filed a complaint with the Consumer Finance Protection Bureau.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). the lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Consumer complaint received 2024-01-31
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. (PA)

I sent the follow letter to XXXX XXXX Unit XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to XXXX, XXXX and TransUnion.
Consumer complaint received 2022-09-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had a balance assist with bank of America for {$500.00} I have hit some financial trouble I'm XXXX XXXX right now and was unable to make the payments recently I deposited some money I got from my ex to buy my daughter clothes they took XXXX on XX/XX/2022 most of my money that was deposited in my account and left me {$8.00} in my account I called them and they wouldn't give me back anything I said just take XXXX they were not willing to do anything or work with me in any way they absolutely didn't care at all
Consumer complaint received 2024-01-31
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. (PA)

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.

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.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : RETIRED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, UT XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX UT XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2023-05-29
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)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance {$8000.00}.
Consumer complaint received 2023-05-29
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. (LA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
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)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Consumer complaint received 2023-05-29
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.