davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$0.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate account information as quickly as possible.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Amount was paid in full in XX/XX/2020. A representative of the debtor concern acknowledged same. Collection agency has reported this incorrect information 5 different times, XXXX, XXXX, XXXX, XXXX, & XXXX to credit bureaus thus dropping my score with each submission
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (WI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I requested additional 6 months forbearance. This company only extended for 3 months. I need the additional 3 months forbearance approved. 

according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This extension needs to be approved.
Consumer complaint received 2021-05-11
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. (NJ)

I submitted Disputes to XXXX on XX/XX/2020 and XX/XX/2020 in regards to XXXX XXXX on my report as not being mine. XXXX said XXXX verified debt was mine. I in turn wrote letter to XXXX XXXX asking for verification of debt. The bill sent from XXXX XXXX was for another person with my same name but different middle initial and different address. I responded to XXXX and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked XXXX for the original credit agreement with signature of person from whom they are trying to collect debt. XXXX did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how XXXX can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So XXXX couldn't have asked XXXX to verify my SS # nor address that I've had for over 10yrs now. I disputed this same XXXX XXXX debt with XXXX and the debt was removed from my report. I have not been able to see my report from Transunion as of yet .I request a hard copy of my report from Transunion XX/XX/2020 and never received it. I am current trying to contact Transunion customer support to figure out why Transunion can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from Transunion.
Consumer complaint received 2022-10-15
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. (FL)

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. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX XXXX : # XXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/2021 I XXXX XXXX applied for a Capital One credit card, I supplied my SS # which is my open end credit card, I was denied in direct contradiction the Consumer Protection laws which were enacted by Congress ; FDCPA, TILA, FCRA to protect the consumer. I responded to the Adverse Response letter which was sent by Capital One explaining as much, to this day they have not responded. The letter details their violations of the laws, and includes the remedies I seek. The documents were sent Certified Mail # XXXX and was delivered XX/XX/2021.
Consumer complaint received 2015-11-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (CA)

Services received by my son from XXXX XXXX during period that my son had full coverage from medical with XXXX copy. When I discovered that this was a charge now sent to collections that was not my responsibility. I tried several ways to resolve this. I faxed a letter from Medical stating coverage start date and proof of coverage during the visit that was wrongfully placed as my debt. I spoke on the phone to XXXX and XXXX and was asked to fax proof of.coverage. I made a copy and did just.that. I am suffering from this collection account, Medical may have made a mistake.or the billing department from the clinic. I want this to be completely erased from all XXXX credit bureaus. Thank You, XXXX XXXX
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (NY)

In XXXX, like so many other American families, my husband lost his job and was initially told he did not qualify for unemployment. That decision was reversed but trying to refile proved impossible. My salary was cut by 35 % beginning XX/XX/XXXX, and was not restored until XX/XX/XXXX. I sent a fax to my mortgage servicer back on XX/XX/XXXX, to which I have not yet received a response all these months later. And this was after spending 5 months trying to reach someone by phone. I filled out the forbearance paperwork that was available on their website, I gave detailed information as to why we had fallen behind and I communicated my intent to sell the house. Fast forward a few months, I have now caught up on all my payments ( the next payment due is XX/XX/XXXX ), and I was also able to catch up on my past due XXXX tax payments, which I have paid myself almost since the inception of this loan. As I was trying again to contact the servicer, they sent me a letter that I received on XX/XX/XXXX advising me that as of XX/XX/XXXX, they would start escrowing for my taxes because I was behind. I immediately called and advised that the amount they had was incorrect, and that I had also scheduled my payment for the full ( and more importantly, correct ) amount that I still owed for the tax year for XX/XX/XXXX. I was told they had already sent payment, which was not true, and when I explained that the third party that they were relying on for information had the amount wrong, Gregory  Funding pretty much just shut the conversation down, and told me someone would be in touch. My payment posted, and last week suddenly a credit balance of {$7400.00} appeared on my tax account. I again attempted to reach someone at Gregory, and was told by customer service that " the legal department was reviewing '' and someone would call me back within 30 days of my original call to them. That is still a week away, and I have a tentative closing date for the sale of my home set for XX/XX/XXXX. Because of their error, they've assessed my account with a negative escrow balance and they have almost doubled my mortgage payment. I need a swift resolution on this so that I can close on schedule.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (PA)

Hi there what's going on? It's been several months now but I still haven't got a response from you. I don't go so far as to spend money and sue your organization for not doing your job but I would if I'm forced to. I'm only asking for those negative items to be reinvestigated properly but you seem to ignore the letters. I joined an online forum and they have been advising me to pursue which FCRA laws have been violated but for the last time please do look into my account and remove the errors I listed. FCRA section 611 ( a ).
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I have never done business with this company, never given this company any of my information, i have no idea how they got my information and they need to have it removed from all XXXX of the credit bureaus. I have never signed or consented to any terms or agreements with convergent outsourcing.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove
Consumer complaint received 2016-06-14
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Ria Envia, LLC (CA)

I submitted XXXX transfers to RIA Financial Services totaling {$3300.00} to my friend in XXXX, recipient of previous transfers from me. RIA Financial Services called to ask if I was XXXX. I refused to answer, because any acceptance or denial of service on their part based on my ethnicity or national origin would be per se discriminatory. RIA subsequently cancelled my my XXXX transfers, using as justification the fact that I was n't XXXX, and they only work with " family assistance. '' I am complaining that I was discriminated against due to my race, ethnicity and family origin.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I walked into Citizens Bank on Thursday XX/XX/2021 to open a new business management account for NH XXXX XXXX XXXX. I walked in and there was very little literature available to read at the location on XXXX XXXX XXXX XXXX, NH XXXX. There was a teller working and assisting consumers. I walked to one of the office doors to read the marketing and products offered at Citizens Bank. When I stood there XXXX XXXX opened the door and didn't know I was there. " Sorry, '' he said. " I did not mean to hit you. '' I asked him, " What do you do here? '' I took one of his business cards that notifies the consumer he is a XXXX XXXX. I asked him, " What are you managing? '' XXXX XXXX said to me, " You have to go talk to XXXX. '' I was not happy with his recommendation. If XXXX is managing wealth in the community he is directing people where to go or talk to XXXX. I do not feel safe with his management at Citizens Bank. I have no idea who XXXX is and I have no idea what companies XXXX XXXX works with or what his portfolio looks like. I am not sure if XXXX XXXX is an honest wealth manager at Citizens Bank. I feel XXXX XXXX is frauding the consumer and stealing money and personal information. XXXX XXXX does not work with my NH XXXX XXXX XXXX and he is not an approved manager.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-15
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. (FL)

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. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 2022-03-28
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. 

Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Bank Delaware XXXX XXXX Card Services Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

During an application for a business credit card with XXXX, a hard inquiry was performed against my Transunion Credit Report. The Application was later denied due to the bank being " unable to obtain a valid credit report ''. Which was later confirmed during multiple calls with XXXX. I have discussed the issue with the bank and the Transunion, each continues to tell me that they are unable to resolve the issue and to speak to the other party. 

XXXX has told me they do not provide " deletion letters '' in order to have a inquiry removed from credit reports, and Transunion has told me they are unable to submit " disputes '' on hard inquiries without the bank providing the deletion letter. 

During my last conversion with the Bank I was told to call Transunion in order to have the issue resolved ( told to do this on 3 different occasions ). When I called Transunion the last time I was told to fill out a report from the FTC.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2022 a scammer deposited in my Bank of America account, a bad check that comes from the XXXX XXXX XXXX XXXX  and belongs to the company XXXX XXXX XXXX, registered in the state of Florida, for the amount of XXXX, the deposit was made in an agency of the bank of America, when reviewing this transaction immediately call the bank and report the activity as unknown, it was indeed a fraud that someone was committing using my bank account, fortunately I did not lose money since I made the report to time, however, I am affected because the bank made the decision to close my accounts, I have decided to report this case in all possible agencies and I will even make the police report of this fraud so that it can be investigated in which agency they made the deposit and who made it. I do, to prevent other people from going through what I have gone through and in turn to avoid these fraudulent actions that bad people commit.