davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (AL)

I am XXXX XXXX and I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXXDEPT OF ED Account Number : AMOUNT : {$4300.00} Reason : Account is fraudulent Account Name : XXXX/DEPT OF ED Account Number : AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX/DEPT OF ED Account Number : AMOUNT : {$2200.00} Reason : Account is fraudulent Account Name : XXXX/DEPT OF ED Account Number : AMOUNT : {$2200.00} Account Name : XXXXDEPT OF ED Account Number : AMOUNT : {$1700.00} Reason : Account is fraudulent Inquiries : XXXXXXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( BANK ) XX/XX/2023 XXXX XXXX  ( FINANCE ) XX/XX/202XXXX XXXX
Consumer complaint received 2024-04-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is making this credit report a fraud, this was resolved in another credit report company. Transunion never did a check on this complaint. I have a copy of them saying just not the date and no date to resolve. But they do want my money to join them to protect me. That is fraud and making me XXXX on their report.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equafax is saying I have 0 months since last missed a payment. XXXX and XXXX have the information correct as last missed a payment 3 years 4 months ago. No idea why equafax would list this since nothing has changed and none of my accounts have had a missed payment. Its hurting my equafax score and my ability to gain a mortgage. Its a violation of my the fair credit reporting act as well and I will be following up with a complaint to the XXXX XXXX XXXX
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I received a notice of a past due mortgage payment for my home loan on XX/XX/2018. To be clear, I ALWAYS pay my mortgage early, and was very concerned about this notice. At that time I went online to view my account and noticed a posting error made by Mr. Cooper going back to XX/XX/2018, which applied my entire payment as an additional principal payment. I contacted their office and spoke to a CSR who indicated that this would be resolved, AND my late charges would be removed. This correspondence took place on XX/XX/XXXX, and still nothing has been fixed. I am now seeing that my XX/XX/XXXX payment is past due, and I was assessed yet another late fee!!! The Credit Case Number is XXXX. 

Additionally, I have called the XXXX number on Thursday the XX/XX/XXXX, told the office is closed and would be open on Saturday, Called Saturday, told the office is closed and will be open on Monday. Called Monday, told the office is closed and will be open on Tuesday. 

I am disgusted with the level of service this company provides. I have now been assessed over {$240.00} in late fees, company will not call me back. Office seems to be closed all the time. I am VERY concerned about my credit being impacted and the late fees assessed.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 2019-09-06
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. (NY)

The XXXX XXXX account is being falsely reported in an attempt to re-age the account. 
Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting. 
They are reporting the last payment date as XXXX but charge off/XXXX date as XX/XX/2016. 
This should have been noticed if there was really an investigation into my complaints.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My unemployment check was deposited XX/XX/2018 and XX/XX/2018. 

The banks has added so many fees they charged me {$1200.00} in fees taking the majority of all my money and they can not explain the charges. This is an overt abuse of fraud XXXX XXXX : PAYMENTS ID : XXXX   XXXX  : XXXX XXXX XXXX ID : XXXX  XXXX XXXX XXXX : PAYMENTS ID : XXXX XXXX : XXXX XXXX XXXX ID : XXXX  XXXX Rewards Savings - XXXX  Summary Available balance ( as of today ) : {$18.00} Help for Available Balance. What does this include?

Bank of America Account
Consumer complaint received 2024-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (HI)

On XX/XX/2024 I received a letter from Wells Fargo dated XX/XX/2024 indicating that I was illegally enrolled in their Sign/Drive bonus without my consent. Within this letter it contained a number to call to rectify the matter. 

On XX/XX/2024, I called the number provided and requested for information regarding my account along with verification that all unauthorized accounts were closed. I was offered {$50.00} to close the matter, which then increased to {$100.00}, but declined both offers and requested for the information instead. I was then transferred to another department called the Escalation Department. Upon speaking with the Escalation Department representative, I was informed that I would receive a call with 24 hours regarding the information that I had requested. I am still awaiting that phone call. 

On XX/XX/2024 I then wrote to the address provided by Wells Fargo regarding my concerns, along with the information I requested. I also followed up with an email to their company with the same letter. I reiterated my request for information to rectify this situation. However, on XX/XX/2024, I received an email from WfSettlement stating that I contacted the wrong address and department. I am still awaiting for a call from the Escalation Department, the provided mediator, or any other contact from Wells Fargo about my request for information regarding the unauthorized opening of accounts in my name. 

On XX/XX/2024, I received a check for {$120.00} from Wells Fargo along with the Mediation Request form. 

On XX/XX/2024, I then submitted the form provided by Wells Fargo to request for a mediation. On XX/XX/2024, I received a letter from Wells Fargo dated XX/XX/2024 confirming that they received my Mediation Request. I was informed that I would be contacted within 30 days by a mediator. I am still awaiting a call, letter, or email from such mediator. 

On XX/XX/2024, I received a letter from Wells Fargo dated XX/XX/2024 reminding me to deposit or cash their check of {$120.00} that was sent on XX/XX/2024. 

I am asking for support to rectify this matter, and for Wells Fargo to provide me with the information that I am requesting.
Consumer complaint received 2022-07-26
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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.
Consumer complaint received 2022-07-26
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. (FL)

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have 5 business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 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.
Consumer complaint received 2022-07-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (NC)

So I was in a car accident in 2016 and lost all of my credit, debit cards as well as license ; since then I have issued replacement cards for both XXXX XXXX and XXXX XXXX in store to go online with the card information ( which was required at the time to pay the bill ).

They never sent me a new card after contacting the company within the past 4 years multiple times although they swore one was sent. I couldnt pay the bill without the card number issued at the time, that I did not have in hand. 

Im requesting the interest accumulated be dropped and both accounts closed I will only pay the original purchase amount for the cards.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to 15 U.S.C 1681a Definitions ; rules of construction XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of my rights. 15 U.S.C 1681a states that for an account to be furnished on my consumer report the furnisher must disclose to me that an account may be furnished on my consumer report and I must be given the opportunity to direct whether such information can be furnished. XXXX XXXX XXXX and XXXX XXXX XXXX has NOT given me the opportunity to direct such information, furthermore XXXX XXXX XXXX has not followed the correct eviction procedure on several occasions. XXXX XXXX Apts failed to provide me with an eviction notice or quit and leave notice, they also failed to completely evict me as only half of my belongings were moved to the curb from the third floor, the sheriff officer and movers stole small items as they allowed me to get a moving unit as a result my family and myself were evicted after being told that coporate and the front office would be of assistance with adjusting rent payments due to going the entire winter with no heating unit and also large holes in the cabinets. As a landlord they are required to provide suitable living environments for their tenants to be in compliance with federal laws.
Consumer complaint received 2022-07-26
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. (NC)

I have been disputing a fraudulently opened account on my Transunion credit report for years. The last time Transunion actually allowed them to even re age the account and still verified it as accurate. I have contacted this company named XXXX XXXX XXXX XXXX XXXX  XXXX that has a negative mark on my credit for XXXX and I have asked for any information or documentation of the debt, they have so far refused to provide any such documentation then in a collaboration with Transunion just keep reverifying and re aging the account without actually investigating the matter. I have asked Transunion several times to do a real verification and they refuse to do so. So, I am stuck either paying a frequently opened account just because Transunion and XXXX XXXX XXXX XXXX XXXX XXXX say I owe it with not one shred of evidence, contracts or any signatures confirming the debt.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

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
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

2mos ago navy federal gave me a 30day late which was there fault and they admitted it was there mistake, they told me I had to fix there mistake on my own so when I contacted you about the 30 day late they did correct it and because I contacted your agency they closed my account and have ruined my credit in the process. I have never been late with them the 4yrs I have had this account. This is a grave injustice to myself and I feel I have been XXXX XXXX because of this. I could see my account being closed if I was constantly late. That has never been the case.
Consumer complaint received 2022-07-26
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. (GA)

On XX/XX/2022 I sent a dispute letter to verify all the information on my credit report. I sent it the dispute via certified mail with confirmation of receipt and tracking # XXXX. 

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. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, date opened is inaccurate, and payment status is inaccurate. This is grounds for removal. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXXXXXX XXXX XXXX  account # XXXX, has violated my rights because the date of last active is inaccurate, and the date opened is inaccurate. 

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.

Attached are before and after disputed credit reports, confirmation that credit bureaus received request.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complaint is in regards to the late payments that are being furnished and reported by on my consumer report by TransUnion. I have the right to privacy. XXXX XXXX XXXX XXXX  never disclosed to me that I had the option to opt out of my non public personal information being disclosed to any non affiliated third party. Furthermore, transactions or experiences between consumer and the person making the report are to be excluded from consumer credit reports. My consumer rights are being violated. XXXX XXXX XXXX XXXX  did not receive any permission from me in writing, verbally or otherwise to disclose any of my non public personal information to any non affiliated third party and I was never given the opportunity to opt out of my non public personal information to be disclosed to any non affiliated third party. Your company have assumed a vital role in assembling and evaluating consumer credit and other information and are obligated by law to be fair, impartial and respect the consumers right to privacy. I am requesting that the following items be removed from my consumer file. 1. 30 days late 2. 60 days late 3. 90 days late Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-07-26
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. (CA)

In accordance with the Fair Credit Reporting Act these companies are violating my rights : XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX, and the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 

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.