davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (LA)

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. 
Acct name/ US DEPT ED : # XXXX '' *, Accf name : XXXX XXXX # XXXX Acct name : XXXX XXXX XXXX # XXXX Acct name : XXXX # XXXX Acct name : XXXX # XXXX Acct name : 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 In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (MS)

I have repeatedly asked all parties to permanently remove all incorrect information on my credit reports from all three bureaus. Yet, they have complied. I would also like to be compensated for all of my information that was sold to other companies for profit.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion has literally ruined my life.they have reported my XXXX XXXX XXXX closed and delinquent. They reported I disputed XXXX XXXX. This is incorrect information. XXXX XXXX have removed bankruptcy from their file transunion will not remove it, they will not update my person information with verification. They will not remove XXXX XXXX. I don't know why transunion is reporting incorrect information on my credit report. My account has been closed due ton Transunion reporting incorrect information I'm unable to buy a home due to transunion reporting incorrect information. No credit card company is reporting anything negative on my credit report.
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (NY)

Hi, I would like to ask you to take actions and remove fake items from my credit report. That's crazy what I have there. I do not know these inquiries and I have never dealt with these companies. I have never gave anybody any permission for these items. They damaged my score. What is that? WHY?
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to XXXX XXXX XXXX and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at XXXX and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.
Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

The short sale documents were sent on XX/XX/2019 and right away the POC XXXX XXXX said that she can not accept the settlement statement with {$83.00}, XXXX. So we advised her that we are going to dispute value, however, she referred us to the Appraisal company, so we contacted the Appraisal company but then they referred us to HUD and HUD referred us back to the Fifth Third Bank. So we got back to Fifth Third Bank and they then assisted us regarding the Value Dispute. 5 days were wasted because of the misinformation. Only then on XX/XX/2019 that we received a decision from the appraiser that he is not changing his value. 
And now, the short sale documents are still being reviewed and can not give an ETA. 
We are about to lose the buyer.
Consumer complaint received 2022-03-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Jonathan Neil & Associates, Inc (OH)

Around XXXX I was involved in a minor fender bender resulting in a cracked tail light. Now the opposing insurance company has sent me to a debt collect claiming {$3300.00}. I received a notice demanding payment within 7 days or they will seize my driver 's license and license plates.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (OR)

I was due to close on XX/XX/XXXX with a doc signing appointment at XXXX AM. My final closing documents did not arrive until after XXXX AM and I was already enroute to the title company, so I was not aware of a {$5000.00} error in reimbursable closing costs due to me by the seller until I signed the docs. The error was flagged by the title company as an XXXX violation when they did their check. Unfortunately, I signed the docs hoping to work it out after and the seller refused to cooperate. I was not notified prior to signing the documentation and I did not understand what caused the {$5000.00} error. When I contacted my loan officer about it he said there was nothing he could do and it wasn't his fault.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM THE VICTIM OF IDENTITY THEFT INCLUDED ARE MY PASSPORT FOR IDENTIFICATION ALSO UTILITY BILL, ASWELL AS XXXX XXXX REPORT AND FEDERAL TRADE COMMISSION THEFT REPORT.
Consumer complaint received 2021-12-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My father passed away. I have completed probate and have them property listed for sale and have a contract to sell. The service provider has done everything possible to try to stall the sale. Including stealing items from property. My realtor and title company have requested in writing pay off amount and have been stalled and hold multiple excuses. Everything has been completed in writing as well as verbally requested. I myself have done the same. PHH continues to stall. We all feel this company as trying to steal the property. All im asking for is a payoff balance so I can close and actually pay off the balance.
Consumer complaint received 2021-12-10
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)

In previous letters I have requested that you review the information, contained in the credit because it is not correct, but they have not given me an answer, this is not 100 % true
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

On ( XX/XX/2024 ), I sent an Identity theft letter to ( XXXX, Experian, and XXXX ), and despite more than 30 days passing, I have not received a response nor has ( XXXX, Experian, and XXXX ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXX, Experian, and XXXX ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Consumer complaint received 2022-12-15
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. (PA)

THE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY. THE ACCOUNTS ARE UNDER LITIGATION. THE ACCOUNTS WERE OPENED USING MY IDENTITY INFORMATION BUT WERE NEVER AUTHORIZED OR DID I HAVE KNOWLEDGE OF THE ACCOUNTS BEING OPENED. I AM A VICTIM OF IDENTITY THEFT. THE ITEMS IN WHICH I NEED TO BE REMOVED IMMEDIATELY ARE THE FOLLOWING : ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX  is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXXXXX XXXX is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

money is missing out of my account. My balance was {$6600.00} when I went to sleep. a {$4900.00} payment was applied. No transactions came in. When I woke up, my balance was missing approximately $ XXXX. I attempted to dispute the matter. The banker stated that he see where there may be about {$450.00} due back. I called to check status, and was advised that nothing will be refunded. I am missing money from my account.
Consumer complaint received 2016-01-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

I 've requested Validation of the alleged debt owed and they only continue to send me the same canned response collection letters and collection letters in another language, looks like XXXX, which only tells me they are ignoring my requests.
Consumer complaint received 2022-03-27
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. (LA)

My credit card account from XXXX XXXX XXXX XXXX is not reported to Transunion and XXXX credit bureau as XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified XXXX XXXX on letter dated XX/XX/XXXX. 

I notified Transunion and XXXX on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.
Consumer complaint received 2021-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am very upset with this issue. I sent a letter to CAPITAL ONE last XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-02-18
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)

I keep sending letters to Transunion to fix an account that is wrong on my credit report. The account with XXXX XXXX was paid in the summer of 2020, but Transunion has the account reporting as derogatory. It is not showing that the account is paid. I need to get this fixed.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Recieved a letter from capital one stating I tried to open a checking account and it was denied. I did NOT try to open a checking account. Date of XX/XX/2022 Also received a letter previously from another bank that someone opened a checking account in my name & the account balance is in the negatives. 
Also didnt open that account but I do not have the paperwork for that anymore.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

They say the have an excellent service. I don't think so. They put a restriction in my checking acct. I have no idea what happened. This is unfair, how they restrict my money. I'm the only paycheck for my family of 2 kids and wife. I'm crying. I have 2 hours trying to solve it. They have somebody named XXXX or XXXX just transfering to nowhere. Why you pay a person to solve nothing? She is just transfering where they never will answer and solve it. What is going on? Horrible situation. They have millions. Why they want steal or retain my money? Unblock the restriction and give my money back. A compensation of more than {$500.00} for the incovenience sounds good.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Several Inquiries on credit reports from XXXX and XX/XX/ 2021 after credit freeze and fraud alert placed in XXXX of 2021
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, I am filing this complaint because of a collection account that was placed on my credit report in error and deleted over 3-4 times only to reappear once again recently. This negative account has not only affected me financially but has taken a toll on my general well-being due to the continuous stress it has caused me. It has also prevented me from being approved for housing, a necessity. This collection item was initially placed on all three of my credit bureaus reports however after providing proof that it was incorrect, the account was deleted from all three only to reappear on XXXX and Transunion several times since then. I have spoken to XXXX and Transunion representatives each time it would reappear, and it would be deleted after providing proof that it was indeed erroneous. This account has been deleted in re inserted each time without any notification. I can call XXXX and Transunion yet again and do and dispute by phone but at this point its getting pretty redundant. The account is listed below. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Acct # : XXXX The collection Item is from an apartment complex that I have never lived at before. The most recent proof I have submitted to the bureaus is the attached document that they, the apartment complex, has sent me stating that they have no documents or records in their systems under my wife XXXX XXXX and myself XXXX XXXX. This document was sent certified mail to XXXX and Transunion. The item was deleted. I was never notified when this account appeared originally on my reports nor was, I notified each time it was re-inserted on my credit file. I have been doing research and found that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I was never notified when this happened. It was only brought to my attention when applying for credit and being denied. Can you imagine the stress and embarrassment this has caused me time and time again? I applaud XXXX for deleting and doing what is right and not violating my rights as a consumer. However, XXXX and Transunion need to do the same. This whole ordeal has just been an ongoing travesty. 

Most recently ( XX/XX/21 ), I sent a certified letter to this creditor demanding all information they had pertaining to this account as I am seeking counsel if I can not get it resolved and I have yet to get a response. Attached you will find copy of email from the original credit stating this is an error because they do not have me in their system, also a cop of the certified letters sent to Transunion, XXXX & the original creditor. 

The only resolution is for Transunion and XXXX to delete this account from my credit report for good and to never reinsert it again. Just as XXXX has done.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (TX)

Im disputing two fraudulent accounts for XXXX XXXX and XXXX XXXX/XXXX XXXX these investigations took more than 30 days and Equifax is unable to block these items due to identify Theft and put them in a regular dispute instead they are unable to assist me over the phone and didnt remove these two accounts or my inquires I currently have XXXX inquiries all of them fraudulent. Every since the Equifax data breach started these account were open without my permission
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (CA)

In addition to my last complaint, LendClub Corp is now reporting me 90-days late & 120 days late for the same month ( XX/XX/2020 ). Please see the attachment for more details. This caused my credit score to drop even more while I am trying to resolve matters with them. LendingClub is making things worse instead of rectifying their mistake. Please escalate this and delete or fix this account on my credit.