davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
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. (NV)

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$4700.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$9100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$5000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SAMC Honebee TRS, LLC (LA)

In XXXX of XXXX my husband was put on permanent XXXX. I was making the payments on my mortgage until Covid hit. I put the loan on deferment for 3 months. The situation with COVID has not improved and I am still not working full time. I have applied for a loan modification on XX/XX/XXXX. To date I am still submitting the same information to them in a different format. I have sent everything needed at 5x just a different format. I have a leave messages to get a call back from my specialist. I do exactly what he says and call the next day and he wants it differently. I received 2 notices of foreclosure and I have been touch with company everyday resubmitting the same information in a different way. I really need some help getting this process moving and the foreclosure notices to stop and help me obtain approval for the modification. I have numerous files and will upload whatever you need. I am sending a few as samples of the documents being sent multiple times with small differences etc.
Consumer complaint received 2023-07-26
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 
( Account name :XX/XX/XXXX # XXXX ) ( Account name : XXXXXX/XX/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 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.
Consumer complaint received 2019-04-26
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. (AL)

XXXX and Transunion are not properly investigating dispute submitted by XXXX and XXXX XXXX when asked for the information they determine the validity of the credit items all they product was a letter stating that I owe a certain amount and not an itemized bill or even the initial contract with the company.
Consumer complaint received 2023-04-04
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (LA)

On XX/XX/2019 XXXX XXXX called my phone 5 times in less than 1 minute. 
1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX Then they start calling my husband phone. 
Before that day the calls was not as frequent, but sometimes XXXX times a day. 
The lady stated they sent out a letter without a letterhead, and as I explained to her who opens mail without a letterhead. She stated that's so no one would know I was in collections. I stated the XXXX   sends out mailing all the time with letterheads that's why I called the Department of Treasury to confirm it was true. That is a bad practice if you are truly collecting on a debt that was 90 days past due from XXXX send proper documentations. Not only are you put in collections, but the amount is {$6000.00} more than I owe. They said the Department of Treasury said they can charge me 30 % of my balance owed. So not only are you charging me {$6000.00} more than my balance, but when I call to discuss this matter with you the company can not tell me where the extra {$500.00} is because there 30 % fee is the {$6.00}, XXXX I make {$600.00} ( {$180.00} more than the original amount ) a month payments to pay.gov not the collection agency but I'm still being charged {$6.00}, XXXX ( collection agency fee ) for XXXX disaster loan. You want to pay your debt owed not 30 % of what you borrowed. You can't get loans because XXXX and Department of Treasury have put it in the credit bureau as collections. So now debt to credit ratio to high to borrow the money to pay them off. I just pray and move on but the constant phone calls have to STOP!, Because I'm making payments monthly.
Consumer complaint received 2018-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (MA)

Our mortgage company, New American Funding has been inaccurately reporting our mortgage payments late to the credit bureaus. We had our credit pulled in XX/XX/2018 and it showed that New American Funding reported us 30 days late inaccurately for 2 months. On XX/XX/2018 I spoke with 2 supervisors, XXXX and XXXX and was told that they do not pick up the payment XXXX XXXX XXXX, so this might be the problem. I told them that this should not affect me negatively because they neglect to pick up their mail. I have kept USPS tracking receipts showing the payments were received on time. On three different occasions they claimed they had not received our payment until five days later. After receiving no assistance from XXXX or XXXX XXXX asked to speak to the Manager. They told me a manager named XXXX XXXX would call me. XXXX XXXX did not call me so I reported it to the XXXX, she then contacted me XX/XX/2018. XXXX retracted everything I was told by XXXX and XXXX about not picking up the payment XXXX XXXX XXXX. She told me there was nothing she could do but email me a credit dispute form. I filled out the form and sent it to the credit dispute department. I called New American Funding on XX/XX/2018 and spoke to XXXX who told me the dispute was denied. This denial is unfair and need to be review by higher authority. This incident has ruined our credit and it needs to be rectified! I demand that these late payments be taken off of all credit bureaus.
Consumer complaint received 2023-07-26
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. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-27
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. (MS)

I BEEN CONTACTING TRANSUNION AND XXXX ABOUT THESE FRAUD ACCOUNTS FOR 5 MONTHS. I SENT IN POLICE REPORT AND FTC REPORT AND THEY STILL DIDNT REMOVE THESE ACCOUNTS. ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX ( 4 ) XXXX XXXX  ( 5 ) XXXX XXXX ( 6 ) XXXX XXXX ( 7 ) XXXX XXXX XXXX ( 8 ) XXXX XXXX XXXX
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

XXXX XXXX XXXX XXXX made a XXXX payment which has not been applied to my account. I called loss mitigation and informed them that XXXX XXXX XXXX XXXX made a payment in XXXX. After doing some research I received an outbound phone call by a women in loss mitigation and I was informed that guaranteed rate received the payment. XXXX XXXX XXXX XXXX also reports that no one at guaranteed rate is confirming or denying that they have received the payment so they could not reissue it. Guaranteed rate is still reporting it as missing when it should not be. I have also attached the receipt of the payment
Consumer complaint received 2023-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

XXXX was listed on credit report on XX/XX/XXXX. I responded to the collection agency on XX/XX/XXXX via certified mail to validate the alleged debt owed and not have received a response as of XX/XX/XXXX. Amount listed on collection report shows {$920.00}. XXXX XXXX # XXXX
Consumer complaint received 2022-12-30
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2024-03-04
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)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Dear Consumer Financial Protection Bureau, I am writing to address the severe distress caused by the findings of my recent investigation into my credit report. The discrepancies I uncovered have contributed significantly to my emotional distress and have highlighted the urgent need for accountability in the reporting practices of credit agencies. 

It has come to my attention that certain items on my credit report are unverifiable, invalidated, inaccurate, and highly questionable. Despite the mandates of the Fair Credit Reporting Act ( FCRA ), these discrepancies persist without proper resolution or rectification. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is unequivocally stipulated that all information reported on credit files must be 100 % accurate. The presence of these inaccuracies not only undermines the integrity of the credit reporting system but also directly impacts my financial well-being and peace of mind. 

It is imperative that the Consumer Financial Protection Bureau takes swift and decisive action to ensure that credit reporting agencies uphold their obligations to maintain accurate and verifiable information. By allowing such inaccuracies to persist unchecked, these agencies fail in their duty to consumers and perpetuate a system fraught with uncertainty and injustice. 

I implore the Consumer Financial Protection Bureau to investigate these matters thoroughly and to hold credit reporting agencies accountable for their failures to adhere to regulatory standards. Every consumer deserves the assurance that their credit report reflects an accurate and transparent representation of their financial history. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these concerns and restore confidence in the credit reporting process. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-07
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. (GA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2100.00} XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3800.00} XXXX XXXX ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$330.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$3800.00} XXXX XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2100.00} XXXX XXXX XXXX ), Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-09-23
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 (CA)

Hi, Starting XX/XX/XXXX to XX/XX/XXXX of this year, I started getting fraudulent charges on my XXXX XXXX Bank of America credit card. They didn't block my card or give me any notifications, I believe I only got a text message a week after. I wasn't able to view the account as I was extremely busy, but usually XXXX blocks my card whenever I have charges that seem fraudulent so I didn't worry about it. BoA didn't and it seems like whoever got my card info kept charging on my card. I had a charge for XXXX in Washington DC ( I live in XXXX and I don't travel there ), XXXX charge for $ 600+ ( I don't watch concerts ) and $ 2000+ charges for merchants that are named " XXXX XXXX   '' and " XXXX ''. I quickly disputed them after finding out and I requested for a credit freeze via XXXX. After a month, I got a letter in the mail saying they were unable to accept this fraud claim because " it's consistent with my purchase history ''. This is completely false and ridiculous. I don't buy anything for any airline hydraulics and I don't purchase in DC. I can 100 % confidently say my transactions do not reflect these fraudulent charges and BoA did not do a great job with their due diligence on investigating this. My credit score plummeted due to this and it's just unacceptable. I am not going to pay $ 7000+ worth of fraudulent charges that I did not make.
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rhodes, Kelly Assoc Inc (NC)

I got a XXXX XXXX in XXXX of 2017 and paid for the whole thing in cash after which I moved to XXXX. I clearly stated to them that I am paying them off so I don't see any collection bills and yet they keep sending it to the collections. I know for a fact that I don't owe them anything and yet they are torturing my life Original Creditor : XXXX XXXX, XXXX, NC Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX Collection company harassing me is RHODES, KELLY & ASSO XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Amount : {$1500.00}
Consumer complaint received 2023-04-04
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. (NY)

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, 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 2020-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CO)

On XXXX XXXX I paid {$100.00} for a XXXX  with XXXX XXXX XXXX. Unfortunately it was not a XXXX, the dr did not even look at the area I wanted the XXXX  XXXX done on, did not answer questions, this was not a XXXX. I sent an email with questions and concerns to XXXX of XXXX XXXX XXXX on XX/XX/2020. XXXX replied on XX/XX/2020 stating that they would issue me a full refund for {$100.00}, did not want to work with me on my XXXX. See her email below which I have attempted to share with US BANK for dispute claim : From : XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX  < XXXX XXXX> Subject : Re : Additional questions XXXX, After speaking with Dr. XXXX and staff, I believe it would be mutually beneficial to terminate the physician/patient relationship between our office and yourself and that you locate a new physician for treatment. You may contact our front desk and we will issue you a full refund for the {$100.00} consult fee you paid to your original payment method. 
Sincerely, XXXX XXXX  Manager XXXX XXXX  XXXX ( XXXX ) XXXX I disputed the {$100.00} charge with US Bank on XX/XX/2020. US BANK issued {$100.00} provisionary credit and did not indicate that I would need to follow up with them, just explained that they would investigate dispute. 
On XX/XX/2020 US BANK to my surprise with no explanation reversed the {$100.00} provisionary credit. I called US BANK and spoke with a supervisor named XXXX who explained that I never provided completed form that they needed. I explained I never received any form to fill out. XXXX said he would send the form via US mail. I waited and the form never came. 
At this point on XX/XX/2020 I reached out to the dreaded XXXX at XXXX XXXX XXXX asking that she issue refund as promised because my dealings with US BANK were an awful runaround, dead end, nothing was being solved. XXXX said she would issue check if I removed negative review I posted about the XXXX XXXX XXXX. The check never came, she lied. 
I called US BANK again on XX/XX/2020 asking for the form, for ways to get my {$100.00} back and the rep told me my dispute had expired. I asked to speak with a supervisor and he said he would have one call me back. No one ever called. 
On XX/XX/2020 I called US BANK again asking for help with this dispute. I spoke with XXXX, a cardmember service rep and no resolution was provided, I am still owed {$100.00}, have not been given proper opportunity to provide proof that this dispute is valid.