davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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. (TX)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the inquiries and charge-off accounts. No changes were made. No investigation was conducted at all. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Inquiries 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 2023-02-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

There were XXXX purchases made with my middle class refund debit card # XXXX XXXX XXXX XXXX expires XX/XX/XXXX that were fraudulent. I contacted the credit card issued money network customer service number at XXXX on the back of the card right away to let them know. I contacted them XXXX  already about these charges. They have told me that they do not issue temporary credits and that I would have to wait between XXXXXXXX XXXX for their investigation to be completed to get a refund. I have never heard of a credit card company not issuing a temporary credit for unauthorized charges or the legality of it. I havent found anything online about this issue so far. The charges were as follows. XXXX on XX/XX/XXXX for {$9.00} from XXXX XXXX XXXX XXXX, XX/XX/XXXX for {$180.00} from XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX for {$180.00} from XXXX # XXXX XXXX XXXX. I did not make these purchases and I physically had my card the whole time and I also did not have anyone in my house. I have no idea how anyone couldve gotten this information. I do not have a running vehicle to even be able to go into these stores in XXXXXXXX XXXX to make these purchases. I contacted the XXXX about this issue but they said that they were unable to do anything about it. I am unsure what I can do about this at this point.
Consumer complaint received 2021-03-04
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. (NY)

The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. Equifax says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX  says I have an on time payment. On another, it says I have a 120 day late payment on Equifax but on XXXX and XXXX, it says I have on time payments.
Consumer complaint received 2022-09-15
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX.
Consumer complaint received 2021-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

My first letter dated XX/XX/2021 : On XX/XX/2021, my initial letter I stated : reporting and publishing inaccurate and incomplete information ( " tradeline '' ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs, jobs, and loss opportunity. 

The following accounts you are publishing about me is inaccurate and incomplete because Wrong Accounts Numbers, Incorrect Balance, Missing Information, Incorrect Credit Limit, Status or other field blank, Date of last activity incorrect, Collection account listed with a limit, but a collection can not have a limit, Late pays after an account was closed and Charge off listed as " open '' or collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My Second Letter dated XX/XX/2021 ( Uploaded ) : By not replying in a timely manner to my initial letter on XX/XX/2021, you ( Equifax ) have not only violated federal and state laws, but failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed items ins entirely inaccurate and incomplete, and represents a very serious error in their reporting. See upload attachment.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (FL)

I am a Federally Protected Consumer. I sent Navy Federal Credit Union a debt validation letter for accounts ending in XXXX, XXXX. Navy Federal Credit Union did not follow Federal Law in regards to providing proper validation of the alleged debt. NFCU has been reporting inaccurate information on my consumer report. The Fair Debt collection practices is intended to secure my right to privacy and protect the consumer against abusive and deceptive debt collection practices. This includes NFCU violating The Truth in Lending Act and the Fair Credit Reporting Act. I have mailed documentation to NFCU to rectify this matter.
Consumer complaint received 2022-09-15
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. (FL)

I called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file : XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NY)

i have disputed this with the credit bureaus 3 times i have contacted the bank ( m & t bank ) over 20 times over a 3 month period starting in XX/XX/2017 when i had the loan originated with XXXX XXXX XXXX who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed. 

after M & T Bank bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call m and t and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. in XX/XX/XXXX i  received the 30-day late notice from my credit report and immediately call m and t to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING. 

The 30 days late was not my fault, it was not m and t fault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( XXXX XXXX XXXX ) and emails stating this. 

the only response i get from M & T Bank is " we looked into the matter and believe the reporting is correct ''
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance to the fair act XXXX  account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-15
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. (FL)

I called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-26
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 accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. ''
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. XXXX  claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (VA)

Affirm has reported on my XXXX report and certified twice, the last time was XX/XX/XXXX, that I owe {$90.00}. However, I paid the creditor that they sent to the account to, XXXX XXXX a debt settlement of {$63.00} on XX/XX/2023 to settle the account. I provided documentation of these payments and a screen shot of the payment updated in Affirms system to XXXX along with the dispute but Affirm has stated both times that no payment has been made. My account should be updated to {$0.00} owed.
Consumer complaint received 2018-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (MD)

I contacted XXXX XXXX they gave me dates that I stayed in XXXXXXXX XXXX  XXXX XXXX, but I had insurance. XXXX XXXX XXXX XXXX. I called my insurance and they confirmed it as well. I gave them the dates, and then called XXXX once again ... They confirmed that they sent over proof of insurance to XXXX XXXX and they have not taken off the collection accounts from my credit report. I contacted XXXX XXXX and they're saying it is still active, at this point I do not know what to do. I DO NOT OWE ANY MONEY TO THIS COLLECTION AGENCY.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXMy wife and I had a car loan with XXXX XXXX XXXX  since XX/XX/XXXX.. In late XX/XX/XXXX of this year, my wife had an accident with the car. XXXX XXXX deemed the vehicle at total loss. XXXX XXXX XXXX   issued us a Total Loss letter dated XX/XX/XXXX. XXXX XXXX issued and mailed a check to XXXX XXXX XXXX  in the amount of {$9400.00} on XX/XX/XXXX I noticed that the loan was not paid off on or around XX/XX/XXXX. I contacted XXXX XXXX XXXX   numerous times by phone, email and fax to try to rectify the situation. By the end of XX/XX/XXXX, XXXX XXXX XXXX  notified all 3  of the credit reporting agencies that my wife and I were 30 days late on our car loan. XXXX XXXX  has the payoff check from XXXX XXXX  in their possession. In total desperation, after countless calls and conversations with Supervisors and loan specialists, I told them I was going to file a formal complaint. Two days later, I received a phone call from XXXX at XXXX XXXX  saying she would try to help. She asked if I could call my adjuster at XXXX XXXX  and ask they could reissue a check. I said sure. My adjuster XXXX  said it would be no problem to re-issue a check. XXXX stopped payment on the first check that they issued on XX/XX/XXXX and reissued another check on XX/XX/XXXX. The check was received by XXXX XXXX  on XX/XX/XXXX and paid off the loan. In the interim, my wife 's and my credit score has dropped by almost 100 points each because even though XXXX XXXX  could not find the first check .. nor had any Supervisor or loan specialist ever suggested that I ask if XX/XX/ reissue a check ... it wasn't until I threatened them with a formal complaint until anyone acted.. but our credit scores are still XXXX XXXX  each because of their neglect. I sent XXXX XXXX XXXX, Senior Vice President a formal complaint via XXXX XXXX  on XX/XX/XXXX and I also filed a formal complaint with the OCC. In total, beginning on XX/XX/XXXX, I submitted 9 email requests with copies of the check to XXXX XXXX, 1 fax with attached documents, and countless phone calls asking for help and explaining my situation ... Finally, after me saying that I was going to file a complaint, someone called me back ... Our credit scores are still XXXX each and XXXX XXXX XXXX has yet to respond to my complaint. I've never seen a bank so non responsive and just not care. Meanwhile, my wife and I need to buy a new car and we wanted to re-fi our primary home along with our vacation home. With our credit scores being devastated by this total neglect of a bank, we are now put in negative financial situation.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (IL)

Im submitting this CFPB complaint addressed to the Credit Reporting Agencies today to inform them that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

In XXXX of 2020, reached a 1 year deferment due to Covid-19 for 1 year ; however mortgage company is reporting to credit agencys that Im in default of mortgage and that there is no pandemic deferment in place.
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (FL)

XXXX XXXX QUOTED INCORRECT CREDIT SCORE BELOW XXXX ON THE SAME DAY I PULLED MY FREE CREDIT REPORT INDICATING A HIGHER SCORE. XXXX XXXX USE THE REPORT TO JUSTIFY CREDIT LIMIT INCREASE DENIAL. XXXX DID NOT REQUEST PROOF OF INCOME. XXXX XXXX USE THE EXCUSE THAT EXPERIAN USES A DIFFERENT SYSTEM WHICH IS THE ONLY REASON I AUTHORIZED A CREDIT PULL. NO ACCOUNTABILITY. MY CREDIT SCORE ON THE DATE WAS XXXX ON MY ACCOUNT.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

In XXXX of XXXX a company called New Rez began servicing my mortgage. The terms of my mortgage only included Flood Insurance, I was paying Property Taxes and Home owners Insurance. In XX/XX/XXXX New Rez made a payment on my Property Taxes. Over the next 10 months I made extra payments to them to repay the funds. On XX/XX/XXXX I emailed the company in an attempt to make sure that this porpblem would not repeat itself, I never received a response. I have attached a copy of that e-mail. I have since received notification that my next payment due on XX/XX/XXXX will more than double from {$1400.00} to {$2900.00}. They justified this adjustment stating that an Analysis of my Escrow account had been completed requiring the increase.
Consumer complaint received 2017-09-08
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. (CA)

Attention : Credit Bureau Disputes Department Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information.
Consumer complaint received 2023-02-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX  XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed from my credit report, immediately.
Consumer complaint received 2020-09-18
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. (MA)

XXXX XXXX XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed from my credit report, immediately.
Consumer complaint received 2017-09-08
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. (IA)

Miss handling of personal information cause by gross negligence of said company. Their website equifaxsecurity2017.com stated that I am currently under suspicion of having my identity stolen.