davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Resident typePost office box THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE SOCIAL VARIATIONS DO NOT BELONG TO ME XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-10-11
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. (GA)

Recently I filed an investigation on my credit report, which caused severe XXXX upon me, as I found inaccurate, incomplete, and questionable items that was not XXXX XXXX reporting accurately. I disputed the bridgecrest account with Transunion due to various inaccuracies and incompletions that were reported. After receiving a response that lacked the context that I requested. I called Transunion only to find that the creditor has now changed the permanently closed charge-off account status ( as of XX/XX/XXXX ) to open, and reported the date of last activity as XX/XX/XXXX! This creditor has also wiped the payment history reported. I fear the creditor is retaliating against my right to dispute and verify the account, and Transunion has not conducted a thorough investigation of this account and supports this illegal activity. This illegal reporting violation has caused a sudden XXXX point decrease in my credit score this month, as confirmed by a TransUnion rep on XX/XX/XXXX, this account should not have reported from the beginning, and the representative encouraged me to file a complaint for the deletion of this account, as no details that I requested in regards to the methods of the investigation was disclosed to me. Other reps refused to disclose what details were verified with the creditor. Transunion and the creditor has violated my rights in the other inaccurate ways ; inaccurate monthly payment amounts, inaccurate payment timelines, {$0.00} high balances, dates of last activity, account status. I have enclosed proofs of their inaccurate reporting as of the most recent credit files that I received via mail. I have also enclosed proofs of the recent fraudulent update that the creditor tried to report ; reflecting the now open status and wiped payment history.
Consumer complaint received 2020-09-25
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. (MA)

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. It is removed temporarily and then allowed to be posted again under different names, each time being harder and harder to contact the debt collection agency that is breaking the law with this reporting. On XX/XX/2020 the original creditor to the debt in question, XXXX XXXX, verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the  original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this. This last time Transunion has allowed the debt collection agency to again post this collections account, which has been verified as not belonging to me, but also allowed them to have a fake name " Collection '' as the original creditor and debt holder. Neither of which is accurate.
Consumer complaint received 2022-10-11
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. (SC)

There are several listings on my consumer report that I did not consent to being reported by credit reporting agencies. My consumer right has been violated : 15 USC 1681b regarding permissible purpose which states that three criteria must be fulfilled before credit reporting agencies can disclose to your consumer report - obtaining written consent from the consumer, sending required disclosures before reporting, and disclosing my right as the consumer to opt out. None of these criteria were met before reporting said listings. Upon disputing these reports based on their reasonings, I was told that these listings were " verified '' and they remained on my report despite never having my written consent to disclose information to my consumer report, and despite never giving me notice of my right to opt out of said disclosure. 

These listings include all collection reports, all closed accounts, and all late payments that have been disclosed to my report.
Consumer complaint received 2021-04-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
Consumer complaint received 2020-02-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I spoke to senior rep and asked about three letters I recieved XX/XX/XXXX. NO AVAIL See attatched letters. XX/XX/XXXX. {$120.00}. transaction date XX/XX/XXXX says THE CREDIITS WE DEPOSITED AT THE BEGINNING OF THE INVESTIGATION * HAVE BEEN REVERSED. XX/XX/XXXX, {$210.00}. transaction date XX/XX/XXXX says same. Both of these were returned items Merchants credited IMMEADTELY before statement XX/XX/XXXX closing date. There NEVER WERE ANY USAA CREDITS none were needed. Both these letters are missing claim date and note the top wording they are not called CREDIT CARD FRAUD CLAIM either. XX/XX/XXXX letter. 
CREDIT CARD FRAUD CLAIM for {$470.00} GIVES CLAIM DATE XX/XX/XXXX. I CONFIRMED I REPORTED XX/XX/XXXX CHARGES OF {$470.00} FRAUD. There are NO PERMANET USAA CREDITS AS THIS LETTER SAYS AND IT IS FRAUD. NO CREDITS FROM USAA TO COVER FRAUDS. USAA CLAIMS NO FRAUD REPORTED. Why thousands of credit reversals IF NO FRAUD REPORTED? Credit Reversals begin XX/XX/XXXX. I demand {$100.00}, XXXX check mailed to me to cover my financial loss + interest of being held liable for fraud since XX/XX/XXXX. USAA DESTROYED MY CREDIT. I WILL NEED THIS MONEY TO REBUILT WHAT THEY DESTROYED. I USED TO HAVE EXCELLENT CREDIT SCORE. My health has also been effected by USAA ATTITUDE.
Consumer complaint received 2020-02-13
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)

XX/XX/XXXX, I received a letter stating an account had been open with my social security number in XX/XX/XXXX. I had been in the hospital all through XX/XX/XXXX until XXXX  XX/XX/XXXX. The accounts continued all throughout XX/XX/XXXX and continued to receive letters every month. My name, social security, old home address and new home address where used. All the accounts showing on my credit report do no belong to me. Please remove the items. 

XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX/XXXX   XXXX {$3500.00} XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$17000.00} US DEPT OF EDXXXX XXXX {$4800.00} US DEPT OF EDXXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$420.00}
Consumer complaint received 2021-04-14
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. (PA)

I have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and TransUnion correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, TransUnion and XXXX XXXX my last request was mailed 45+ days ago
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2020, I tried to open a new account at a credit union and was told my date of birth did not match the date on my Equifax records. When I reviewed my Equifax record I saw that my middle initial and my date of birth were in error. On XX/XX/2020, I filed a dispute with Equifax online, submitting a copy of my drivers license to support my correct middle name and date of birth. On XX/XX/2020 I called Equifax to check on the status of my dispute and was told that now in addition to my drivers license they need a copy of a paystub or my social security card as proof. This is their mistake - they should be required to correct it. I have provided evidence of the error and I'm confidant their records contain plenty of incidents of my true name and date of birth - I have a number of credit accounts that I know are in my correct name and my drivers license shows the correct date of birth.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NC)

I purchased my home XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. 
XXXX XXXX XXXX was the servicer at the time. I paid every payment on time. 
I went through a divorce, unemployment, XXXX and ( Not-at-fault ) automobile accident that caused me to fall behind on the payments. I qualified for XXXX and was able to maintain my house. XXXX XXXX XXXX agreed to accept a loan modification instead of the previous messy one. In the middle of the process, they sold the servicing to Seterus, XXXX XXXX XXXX, which since then have been extremely aggressive accelerating the process towards foreclosure despite my several attempts to communicate that I have been going through the process of Loan modification with XXXX XXXX XXXX, they are insisting that there is no record of the modification except for the XXXX occurred in XXXX XXXX. I filled the Seterus XXXX application but they have sent me Notice of intent in XXXX only 10 days after they received my loan servicing from XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX has passed on the responsibility to Seterus since Seterus seems to get away with being a bully and extremely unhelpful. Every single time I called Seterus, I had to re explain the entire story of my loan with XXXX and how the initial modification although successful at {$2200.00} per month including of Taxes, insurance and Escrow, they simply messed up the paper work after the successful three month trial of {$2200.00} per month, they suddenly raised the mortgage payment to {$2700.00} claiming that they mis calculated the escrow. That took six month for me to get XXXX XXXX XXXX to admit and issue me the opportunity to go through a XXXX modification. Only one month through the process they sold off the loan servicing to Seterus. Now Seterus seem to be blocking my loan modification process, at XXXX time they claimed that the reason they do n't wish for me to apply for modification is because I had a modification less than a year ago despite me explaining that it was a messed up process and that XXXX commenced a second modification. I explained that all that needs to happen is to simply see the documents that I sent to XXXX prior to the transfer XXXX XXXX and see that I was going through a modification. I told them that I am confident that I will be able to pay the mortgage after the modified amount is reduced to the original payment as defined by XXXX of {$2200.00} per month. I am confident that I can pay that amount and keep my home.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

In XX/XX/2020, after holding this account for 7+ years, I found myself suddenly unable to make online purchases at ANY of the Dicks family of stores, or using the app. ( Dicks.com, XXXX & XXXX, and XXXX ) After multiple calls with Dicks, and Synchrony Bank customer service, I was told that the Mastercard branded cards don't actually work online ( This is after me making online purchases for the entirety of the life of owning this account ). I told them that not only is that not true, but that the Cardholder Agreement even states clearly, under Use of Your Acct : " You may use your account for Purchases from XXXX, XXXX XXXX XXXX, and XXXX XXXX Locations, including these brands In-store kiosks, OR online sites and from ANY merchant that accepts Mastercard ''. I believe that it is an Unfair and Deceptive Act/Practice. Only after not accepting the original information was I connected to someone at Synchrony that stated that a technical issues is what is causing a population of customers to no longer be able to use the cards online. They have not communicated any of this in any way, and could provide no indication on what the specific issue was, or when it may be resolved. I actually run a Credit Card program at a Large XXXX XXXX, and can not believe that this issue has been out there for at least 2 months without communication or resolution. Additionally the fact that you have customer service representatives telling customers that the card is unable to be used online is both a contradiction to the Cardholder Agreement, and to the issuer 's contract with Mastercard.
Consumer complaint received 2022-07-05
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. (IL)

In accordance with the Fair Credit Reporting ActXX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/XXXX Account # XXXX DEPT OF EDUCATIONXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX We closed our account with XXXX in XXXX and moved our money to Huntington in XXXX . Then on XX/XX/XXXX we closed our account with XXXX XXXX   in XXXX and also put those funds into Huntington for a much higher interest rate that XXXX gave us. We had 2 % for 1 year if I stayed at XXXX and 1.5 % for 1 year at XXXX XXXX. It made total sense to leave the other banks based on the amount of money we had to deposit. We were told that our rate would be 2.5 % for XXXX year in this money market fund including any other deposits made during that year such as my Social Security checks. I worked with the manager of the  XXXX Huntington, XXXX XXXX. 
Approximately two months ago we noticed that our interest rate had dropped to .5 %. which had been going on for two months prior to us noticing. 
I called XXXX XXXX numerous times and also visited twice. His response left me feeling positive that they were going to fix the problem. XXXX told me for the last two weeks that it will be taken care of by Friday of those weeks. It did not happen. I then tracked down his district manager XXXX XXXX who XXXX said he was working with on this problem. I was told on Monday XX/XX/XXXX by XXXX that the 2.5 % promotion was on the cusp and this special promotion was no longer in effect and only good for 6 months and not 12. She stated that it had been turned over to another department for review. I asked XXXX to check with them and call me back that day. She did not call. I called her back the next day and left a message. No call back. I have my doubts that anyone is working on it. If they were, I can not accept that they have been for 2 months. It should not take 2 months to fix what I was told. I have plenty of proof that I was told I was getting 2.5 % for one year. 
As a side note, We have been doing business with Huntington including our company business checking and escrow accounts since XX/XX/XXXX.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (VA)

Hunter Warfield ( HWARFIELD ) dated XX/XX/XXXX put us in bad credit for {$6000.00} based on XXXX XXXX stating we broke lease and left property in a poor state. Facts are that we lived there for 6 years paying over {$17000.00} a month with utilities included and were never late or missed a payment. Each year the agent did a walk through and NEVER noted any abuse by us on the property. For the last three years, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the agent listed the roof interior being cracked, falling, and leaking. Each time several contractors came out and gave quotes to landlord and nothing was fixed. Water leaked into the kitchen and was reported several times where a roofing company came out and said they fixed. Next time it rained, water came in that ruined the tile in the kitchen that is now being said we damaged. XXXX XXXX was notified several times each year that the water was shut off for non payment by the Landlord. Records can be seen through XXXX   XXXX XXXX. Each time the agent came out she was show where the grass and yard were not maintained by the landlord as stated in lease. Again these things were listed in the walk through report. After she left each year we did seem to get better yard service for a month or so after, but then went back to same. I have pictures of all of this along with pictures to how the house was left. They are also charging us with painting cost. In our lease it stated we were NEVER to paint. We followed the lease, but once the mold began to cause issues with our health and shady contractors making us feel unsafe, we were forced to leave. On a side note, the owner of the property did a walk through with us prior to us leaving and they were not happy that we were leaving. They did not say anything about any problems with the condition we were responsible for the property.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.