davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/1989 SS # : XXXX Subject : Dispute of Inaccurate Personal Information - 15 USC 1681-1681u Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. This dispute is in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681-1681u.

Enclosed with this letter, please find a copy of my credit report from your agency, highlighting the inaccurate information. The inaccuracies are as follows : MY ONLY NAME IS : XXXX XXXX MY ONLY ADDRESS XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Illinois XXXXMY ONLY DATE OF BIRTH IS : Date of Birth : XX/XX/1989 I request that you investigate the disputed items as required by the FCRA and promptly correct any inaccuracies in my credit report. I understand that, under 15 USC 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation of the disputed items within XXXX  days of receiving this dispute letter.

Furthermore, please provide me with written confirmation of the actions you take as a result of this dispute, including any deletions or corrections made to my credit report. Per 15 USC 1681i ( a ) ( 6 ), I am entitled to a free copy of my credit report if changes are made as a result of this dispute. 

Additionally, I would like to request that you notify all creditors or data furnishers who may have provided this inaccurate information to your agency about the dispute and its resolution, as mandated by 15 USC 1681i ( a ) ( 2 ).

I appreciate your prompt attention to this matter, as the inaccuracies in my credit report are causing me financial harm. I expect your agency to comply with all relevant provisions of the FCRA and resolve this dispute within the statutory time frame. 

Please contact me via mail at XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Illinois XXXX to inform me of the progress and resolution of this dispute. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased an XXXX subscription in XXXX of 2022 online through the Capital One Website. The transaction failed on the Credit Card end, not mine, nor was I informed. 

I contacted the CEO on several occasions alerting him of this and asking him to reverse the interest and late fees. Not only did XXXX XXXX not do this, the fees and interest continued to accrue. Today I paid {$88.00} in interest and fees on a {$16.00} purchase as this while completely ridiculous is negatively impacting my credit score.

Thank you for your help friends at the CFPB Sincerely, XXXX XXXX
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VT)

XXXX XX/XX/2021, we began the mortgage application process with Amerisave. We were assured repeatedly ( we have the emails ) that our loan would be ready to close by XX/XX/XXXX. By XX/XX/XXXX, we were informed that all of our information was complete and that they were only waiting for the appraisal. 
We spoke to or emailed our loan originator EVERY DAY between XX/XX/XXXX and XX/XX/XXXX, the deadline under our XXXX & XXXX for a commitment letter. On the afternoon of XX/XX/XXXX, we were informed that we had a new loan originator and that he was " pushing '' to get our commitment letter. He said all of our information was complete and that we might still be able to close on XX/XX/XXXX. 

On XX/XX/XXXX, Amerisave began requesting additional documents, some of them duplicate requests that we had sent them weeks before. Nevertheless, we provided the documents and were told that " eveything is clear '' and that they were going to try to get us a closing date on XX/XX/XXXX. 

They repeated the process with additional requests on XX/XX/XXXX. Again we complied. Again our loan originator told us everything was " cleared, '' and that he was just waiting for final approval from the underwriter. 

Today, we received another request for a round of documents, half of which have already been submitted. We had angry phone calls with Amerisave and were, once again, assured that if we only complied, we would get a closing date. We complied, and they sent another request. We complied, and they will not commit to a closing date. 

We arranged to move our belongings into the new home in XXXX with an agreement with the sellers that would not allow us to stay at the house, only move our things in, provided that the closing would be Wednesday. 

Our children are staying with family, we are sleeping on the floor of my sister-in-law 's basement. All of our belongings are at a house we can not occupy, and the seller 's could cancel the sale at any moment. 

Our lawyer, XXXX XXXX, said in 35 years of practicing real estate law, this is the most outrageous behavior he has ever seen. 

Please help us.
Consumer complaint received 2022-01-18
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. (MI)

XXXX XXXX  card number ending in XXXX I should have a XXXX balance that was a fraudulent charges that the bank still hasnt taken care of they said that they would send updated information to the credit bureaus but either youre not updating it or they havent sent it I dont know whos at fault
Consumer complaint received 2021-03-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (VA)

I was involved with a scam where a man, XXXX XXXX, somehow he gained access into my savings account where he took it upon himself to transfer {$16000.00} from my savings account to my checking account. I never willingly authorized him to transfer any of my money to any of my NFCU accounts. When I realized I had been involved in a scam I notified NFCU, after investigating my case, my funds were reinstated into my checking account. I waited for the " PENDING status to be removed ( thinking the money was " officially " reinstated to my checking account and then transferred the reinstated funds back to my savings account. 
In doing some online work a few weeks later, I realized NFCU had REMOVED EVERY BIT OF MONEY OUT OF MY CHECKING ACCOUNT without notifiying me that such action was going to take place, until AFTER THEY DID IT. I have bills on auto pay and of course they were rejected and I had to pay the ENTIRE quarter amount on those accounts because they were rejected due to insufficient funds. NFCU should have noted I had transferred the funds back to my savings account and removed the funds from that account, NOT leave me with XXXX dollars in my checking account ... not very professional. However more importantly they should have never reinstated my funds then just decide to take them back without warning or reason. 
I am a XXXX yr old female who XXXX XXXX and have been out of work for a year, due to the Covid-19 pandemic. I have significant XXXX issues as well as other medical issues and as of now a very limited income even with unemployment ..I feel like what NFCU did to me is just as criminal as what the criminal did! Reinstating my funds as they did, then just take it back without warning! It would appear to me a financial institution as wealthy and large as NFCU would not make decisions of this magnitude and then without notice decide to retract their decision without any explanation. I feel I deserve to have my money reinstated to my account based on their ORIGINAL decision.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (MO)

I was living in an apartment complex called XXXX XXXX. I had been there 3 years when I began having trouble with an upstairs neighbor. I have XXXX and she was barbequing frequently in front of my apartment patio. This was in violation of complex policy which required 10 feet away from the building. i could not confront her about this because she was hostile to any complaints made about her by any of the other residents. Complaints to management went poorly as management changes personnel about every two or three month. I would file a complaint, they would tell her to stop and a week later she was doing it again. Then a friend of hers starting parking his car outside my apartment at night and turn his radio up full blast ; turn on his high beam to flood my bedroom. Wait for me to get up and then drive away. I complained about this too and told them It was effecting my health severely. Again, no further action was taken by the management. Then she got into an argument with an elderly neighbor across from her. The next day that woman was found dead. Then she beat up her son in front of my apartment and I called the police on her. Then she had XXXX XXXX and management treated her unit but not anyone else 's. I was forced to treat my own unit at my own expense. When I informed them I could not live under these conditions they did nothing to work with me about resolving the problem.. It seems since she was a XXXX XXXX resident and I was not ; she had preference to stay there. I oved out owing 3 months rent on my lease. Since then I have filed disputes with them and with the collection agency ; which is not in my state of Missouri. I find now, that that agency, I Q Data International in XXXX Washington is adding interest charges to this account. It was originally {$1000.00} but is up to {$1300.00} in the space of two months. This has ruined my credit score more then XXXX points. I feel the apartment failed to honor the contract long before I did. And they waited three years to turn it in to collections. The management company is XXXX XXXX
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian fails to remove the 13 XXXX XXXX XXXX accounst. Experian reports incorrectly that these accounts first report dates. Experian reports incorrectly that these account balances. Experian reports incorrectly that these accounts are past due. Experian reports correctly payments then deletes them. Experian reports incorrectly these account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2018-03-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

I was evicted in XX/XX/2015. A judgment was entered, and I owed {$2200.00}. They said I had to pay an amount of {$230.00} a month if I wanted to keep this off my credit. The payments were due each XXXX  of the month. I paid on time the best I could. When not able to, they worked with me. They accepted a lesser amount, but I had to make up for it the following month. The last payment was made in XX/XX/XXXX. I ran a credit report shortly after this to start working on other issues, only to find that it was reported in XX/XX/XXXXBEFORE the payment was even due. I feel this is completely unfair. I contacted the company several times, and they said they could not send me a deletion letter so I could have all 3 credit bureaus remove it, but they sent me a paid in full letter. That letter was in my purse when it got stolen out of my car, so I dont have that anymore, but I do have proof it was paid off. The company did contact the credit bureaus, and transunion and experian took it off right away, as it was unfairly reported. XXXX, however, to this day, refuses to remove it. They claim theyve contacted the company and gotten confirmation that its accurate. This company claims they told equifax to remove it. Neither one will do anything to actually remove it, and its preventing me from getting an apartment for me and my children. This has affected my credit for a year and a half longer than it should have. It never should have been reported because I did my part to keep it off of my report.
Consumer complaint received 2018-11-01
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. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2019-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

The following email sent on the noted date describes the situation. Since sending this email re Loan No. XXXX to the email address given by Specialized Loan Servicing representative I have received no email acknowledgement but have received a delinquency notice dated XX/XX/XXXX eventhough the XXXX payment has been made to SLS. Please see the following : XXXX XXXX <XXXX> Attachments Sat, XX/XX/XXXX, XXXX XXXX  to customer.support at Specialized Loan Servicing Dear Sir or Ma'am : I spoke to a representative there on XX/XX/XXXX and informed him that I just realized that the XXXX Mortgage payment for XXXX XXXX XXXX XXXX FL XXXX was sent to the old servicer XXXX , XXXX ( easy mistake on bank billpay app ). I was informed by your rep that it may have been forwarded to you and that i should send proof of payment to this email addy. Please see attached that proof of payment. I also spoke to XXXX  rep today and was told that the payment was not " processed '' by them and that that meant it was forwarded to you since it has not been returned to my bank. Please acknowledge receipt of this proof of payment and whether the payment was forwarded by XXXX -- XXXX XXXX, XXXX. 
( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if TransUnion is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.
Consumer complaint received 2020-06-03
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. (FL)

It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have files numerous disputes and disputes by mail and online disputes about an account by the name of XXXX XXXX XXXX. This account is being reported on two of my credit bureau reports XXXX and experian. This account must be deleted as this does not belong to me and they have failed to investigate properly and have not followed protocol. I have also asked them multiple times to investigate and this account always comes back as verified with no information as to how they verified.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

hard unauthorized inquiries on my report that needs to be deleted from Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX Trans Union XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I talked to someone from Customer Service and they didn't want to resolve the issue.
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. (GA)

Beginning on XX/XX/2021, I sent in certified letters to all 3 consumer reporting agencies requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well, I have yet to hear anything back from either company and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which definitely is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXXXXXX XXXX  {$120000.00} ( late payments ) 2. XXXX XXXX XXXX {$7200.00} ( late payments/student loan ) 3. XXXX XXXX ( inquiry ) 4. XXXX XXXX XXXX {$780.00} ( charge off ) 5. XXXX XXXX {$1400.00} ( chargeoff ) 6. XXXX {$0.00} ( chargeoff ) 7. XXXX XXXX XXXX {$710.00} ( collection ) 8. XXXXXXXX XXXX ( inquiry ) 9. XXXX XXXX {$4300.00} ( collection ) 10. XXXX XXXX XXXX {$300.00} ( collection ) 11. XXXX XXXX ( inquiry )
Consumer complaint received 2022-05-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Flandreau Santee Sioux Tribe (ND)

I originally called the number XXXX - Acct # XXXX, spoke to an inidividual briefly and then was placed on hold for the next 40 minutes in which I hung up. I called back, lady said it was a chain of which I needed to go through, I did swear, but after 40 minutes holding and wanting answers, I was supposed to hold again. I have not heard from these people other than this phone call and message left, there has been no written correspondence, only that they were serving me at my work or home tomorrow for a judgement. First notificatoin.
Consumer complaint received 2021-06-25
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. (CA)

I did not give Experian DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.