davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (NE)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$5000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00}, XXXX XXXX  XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$520.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$290.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} ), XXXX XXXX XXXX ( Date Opened XXXX. XXXX, XXXX, XXXX : {$14000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (SC)

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-03
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. (CA)

On XX/XX/2022 I sent out letters to the credit bureaus regarding inaccurate and false information that was being reported on my credit report. Its been well over at least 60 days now and I still haven't heard back from them. I think i'm being ignored as well as take advantage of when it comes to my disputes. But I know that section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the damages caused to me by the inaccurate reporting of my credit report. My information was also impacted by the Equifax data breach and could've potentially been misused by someone else other than myself.
Consumer complaint received 2020-08-03
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$24000.00} XXXX XXXX $
Consumer complaint received 2022-05-03
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. (CA)

On XX/XX/2022 I sent out letters to the credit bureaus regarding inaccurate and false information that was being reported on my credit report. Its been well over at least 60 days now and I still haven't heard back from them. I think i'm being ignored as well as take advantage of when it comes to my disputes. But I know that section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the damages caused to me by the inaccurate reporting of my credit report. My information was also impacted by the XXXX data breach and could've potentially been misused by someone else other than myself.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Federal Account : XXXX US BKPT CT XXXX  XXXX XXXX Account : XXXX U.S. Bankruptcy Court Account : 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 a account without my written instructions.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Federal Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX U.S. Bankruptcy Court Account : 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 a account without my written instructions.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 1XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account XXXX XXXX has violated my rights. 
XXXX. XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX L - account XXXX XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX 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 states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( 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 antidotes the Report by more than seven years.

15 U.S.C 1681 s-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 reason to believe that the information is inaccurate.

These accounts also still contain inaccuracies.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : 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 a account without my written instructions.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Outline of my dispute with XXXX XXXX and TransUnion Credit Bureaus / Reporting Agencies : XX/XX/XXXX - Requested an investigation of a XXXX XXXX Bankruptcy via a letter sent standard US mail. 

All three reporting agency responded stating the XXXX XXXX XXXXnkruptcy was verified by XXXX XXXX XXXX. 


XX/XX/XXXX I contacted the XXXX XXXX and TransUnion via a letter sent certified mail requesting an reinvestigation of a XXXX XXXX  Bankruptcy as via XXXX certified mail. In which I provided all three reporting agencies with a letter from XXXX stating that XXXX was unable to verify the accuracy of the bankruptcy. 

All three reporting agencies responded stating the account is verified accurate. 

XX/XX/XXXX I contacted the XXXX XXXX and TransUnion via a letter sent certified mail requesting they provide me with the XXXX XXXX XXXX for XXXX XXXX Bankruptcy. 

XXXX responded stated that the company that reported the information has certified to XXXX that the information is accurate. - despite me providing the letter from the company ( XXXX ) admitting that they are unable to verify this account. 


TransUnion LLC stated that the XXXX XXXX Bankruptcy is verified by the furnisher USBK Court New Jersey. - I have provided a letter from the US Bankruptcy Court of New Jersey stating that the court does not report information directly to the credit bureaus / reporting agencies. 

XXXX stated that the account information was obtained from third party vendor XXXX XXXX XXXX- despite me providing the letter from this vendor acknowledging that they are unable to verify this account. 

Despite countless efforts of providing sound evidence of the inaccuracy and reportability of this XXXX XXXX Bankruptcy to XXXX XXXX and TransUnion Credit Bureaus XXXX Reporting Agencies they refuse to remove this inaccurate item from my credit report. The credit bureaus failure to ensure that the information they are report is verified and accurate is having injurious impact on my life and ability to trust the systems.
Consumer complaint received 2020-06-06
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I have an alleged debt with Navient. Multiple private student loans. The last action by me on the loans was XX/XX/2020. 

Navient has included various false information about my loans over the last 5 years. First, they claimed that I was making intermittent payments on the loans so that the statute of limitations would be extended even though I was not. Then, they coded my loans as federal, not private, and therefore the charge off is still active even though the statute of limitations for my state is 4 years, and should be over now. 

I am unable to get a mortgage because of this. I have called them various times, they refuse to work with me and won't give me information about the coding of my loans.
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I made online purchases on XXXX and selected the payment method as paypal. After I submitted the order, i received an invoice from paypal asking me to click a link and authorize the invoice for payment. I have completed the authorization as it is a genuine email from paypal and my payment method is paypal. What happened was that someone hacked the XXXX retail website and sent invoices through paypal. Paypal is not able to refund me as they say that I have authorized the payments, however, they are unable to give me valid reasons as how some fraudulent people are able to register as a seller and was able to send an invoice thru paypal.
Consumer complaint received 2022-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purposed.
Consumer complaint received 2020-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (FL)

I'm trying to get a state to state transfer of my vehicles title from TD Auto Finance. I purchased the car on XX/XX/2020 I was told that the process takes about 30 days. I followed up with emails and phone calls on XX/XX/XXXX, XXXX, XXXX. I was told that TD bank hasn't received the title yet from Arizona. I was later told that they had received it and they would fax it as well as mail a copy of it to me. I never received the fax, but I did get a Title and Registration Application in the mail. My title agent said she needs a  certified copy of the title, not the registration application. She even spoke with them directly. My agent and I spoke with XXXX XXXX a TD bank customer service supervisor on XX/XX/2020. She assured us that she would mail a certified copy of the original title that day to my title company and to expect a 5-6 day delivery time. It never arrived. XX/XX/2020 I spoke with the finance department at XXXX XXXX, ( dealership where I purchased the vehicle ) to see if they could help me, they said they would contact TD bank the next day. I followed up with TD Auto Finance customer service on XX/XX/2020 and spoke with XXXX XXXX and he advised me that they still don't have a copy of the title and nothing was sent on XX/XX/XXXX. I called back today, XX/XX/XXXX, and was told that TD Auto just received the title this morning and will have it sent out in a couple of days and expect a 5-6 day delivery time once it is sent. I have my doubts that this will happen, but I remain hopeful. Meanwhile, my temporary tags have been expired for a couple of weeks and I can no longer drive my car legally because I can't register my car in Florida without a copy of the title. I have been more than patient and accomidating but I can't seem to get a straight answer from them. This really shouldn't be this difficult. I'm hoping this complaint will motivate them to resolve this issue.
Consumer complaint received 2022-09-06
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. (MO)

I sent a letter on XX/XX/2022 to the Credit Reporting Agencies requesting that the Credit Bureaus conduct another investigation on my Credit Report and verify the information being reported by the Accounts on my Credit File. I am frustrated and feel there are many errors that are still being reported on my personal Credit File. The Credit Reporting Agencies are required to validate the disputed Accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable for the Credit Bureaus to continue reporting the disputed accounts without providing me any proof of verification within the time period allowed by law. I am submitting this CFPB complaint to remind the Credit Reporting Agencies to verify the accounts being reported on my Credit report and correct or remove any erroneous accounts from my Credit report : XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (PA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my right. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also a state consumer reporting Agency can not furnish A account without My written instructions. 15 USC 1666B : a creditor may not treat a payment On a credit card account under an open end consumer Credit plan As late On purpose.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (GA)

On XX/XX/2021, I closed on the purchase of an investment property with XXXX XXXX. XXXX was advised at the time of purchase that I would not be living at this property, and were given my mailing address which they retained in their files. 

Shortly, after closing the loan, XXXX sold the mortgage to AmeriHome Mortgage, and sent them the paperwork including my mailing address. 

In XX/XX/2021, AmeriHome sent correspondence to me at the investment property address advising that the loan had been sold. They misdirected this correspondence while having my mailing address in their records on file. As I do not live at this address, the mail sat uncollected and long enough for me to send two mortgage payments to the prior lender.

I learned of the sale of my mortgage, after AmeriHome contacted me by telephone in XXXX, 2021. I explained to them that I did not live at the property where they sent the mail, confirmed that they had my proper mailing address on file, and contacted the former lender about the error. The former lender took steps to direct the two mortgage payments to AmeriHome.

Yesterday, while at the investment property, I picked up additional correspondence from AmeriHome advising that I am in default and that my credit report is impacted - this after explaining what happened with the prior mortgage payments and confirming that they have my mailing address on file which makes this entire evolution their mistake. I called the company this morning, and explained again, that my credit report should not be impacted because of their mistake/failure to use the mailing address they have on file. I also recontacted the prior lender and asked them to confirm that the two prior mortgage payments were forwarded to AmeriHome. 

My credit is being harmed because of this company 's incompetence. I have been a home owner for more than 25 years, own other properties, and have NEVER been delinquent or in default of any mortgage. They have told me the matter is still under investigation and they will/may change the credit reporting when they're done. 

This is absolutely unconscionable!
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Experian is reporting on my credit report false information i have sent them letters and they keep putting it back on my report the are in violation of the FCRA!!! i only have a car on my report nothing more!! i want to discover card deleted permanently!!!!!!! 
i will not rest i also want to sue them for violation of the FCRA!!! delete now!!!!
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (PA)

I logged onto the United Wholesale Mortgage website to check the status of my XX/XX/2022 automatic payment. The United Wholesale Mortgage website said my loan had been transferred to another servicer. The United Wholesale Mortgage website said it would cancel any automatic payments. 

The United Wholesale Mortgage website DID NOT provide any information about who my new loan servicer is. The United Wholesale Mortgage website DID NOT provide any information about how to remit payment to the new servicer. 

The United Wholesale Mortgage website still processed my XX/XX/2022 auto-payment, even though United Wholesale Mortgage is no longer the servicer.
Consumer complaint received 2020-08-03
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 recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$150.00} XXXX   XXXX {$350.00}
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.