davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX is listed on my credit reports incorrectly. 
I've disputed the information with all 3 credit reporting agencies but they have still remained on my reports. 

I dispute the ownership. 
I dispute the amounts. 
I dispute the reporting as shown on my reports. 

I've sent letters to XXXX and no responses have came back. I've done this 4 times with no response.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumers are entitled to a free credit report from the 3 Credit Reporting Agencies each year. Once a consumers identity has been verified, they should have no problems easily securing their report. However, with intent, TransUnion and XXXX make it exceptionally difficult to access your report. TransUnion gave me varying reasons at different attempts why they were unable to give me my report. I tried several times to get my reports from TransUnion and XXXX through annualcreditreport.com. The only report I was able to get was my XXXX. It is important to note that TransUnion and XXXX are closely aligned on their individual sites, and with XXXX XXXX. TransUnion initially said they were having technical difficulties. When I tried later, they gave me another error message. And I never got my report from XXXX even though they said they had already given it to me. Now, the only way I can get a report from TransUnion and XXXX is to take out a membership for a fee, and then pay an additional amount to get a report. I am arguing that TransUnion and XXXX intentionally make it difficult to get a free credit report to force consumers to buy a membership with them and then pay for a credit report that should be free. At annualcreditreport.com, accessibility and verification to all three credit reporting agencies should be consistent. Each CRA has a different ID verification process. The verification procedure should have identification rigors yet simple enough for consumers who have limitations can get their reports as long as their ID can be verified. CRAs should give consumers a choice of getting a report in PDF format that can be stored on the computer device of their choice. They should be able to direct the file/folder where they want the file downloaded.
Consumer complaint received 2024-02-12
Product: Credit reporting 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. (CA)

someone who probably has my personal information applied to get credit cards causing some inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2024, I looked at my report, I sent a letter to TransUnion on XX/XX/XXXX asking them to Reinvestigate these accounts. * 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 On XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same. And According to 15 USC 1681I ( 5 ) They are supposed to do this ( 5 ) Treatment of inaccurate information or Unverifiable information ( A ) in general, If, After any Reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... ( I ) promptly delete that item of information from the file of the consumer, or modify that item ( s ) of information, as appropriate, based on the results of the Reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681eb they are supposed to ensure this ( B ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. And According to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual Knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is Inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if... ( I ) the person has been notified by the consumer, at the address Specified by the person for such notices, that specific information is Inaccurate : and ( ii ) the information is, in fact INACCURATE
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX 3 transactions of {$1500.00} for a total of {$4500.00} posted to my account without my authorization. I opened a complaint with Bank of America. They claimed the charges were teller withdrawals and the person I spoke with advised me the bank conducted their investigation. They tell me the cameras were not running at the counter on that day and that if they were a warrant would be required to access them. My statement shows it as a teller withdrawal, I did not make these transactions nor did anyone else I authorized with my card.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (GA)

XX/XX/XXXX I received a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for XXXX XXXX XXXX due of {$6400.00}. 

At which point I began calling and spending endless hours waiting to speak with customer service at Gregory Funding. 

My mortgage payments including escrow had been current for over 10 years. However in XXXX, XXXX I began withholding my escrow from my payment as I was concerned they would never correct their errors. I requested they stop holding my escrow immediately in correspondence dated XX/XX/XXXX. 

Gregory Funding responded to my correspondence of XX/XX/XXXX on XX/XX/XXXX alleging they sent my tax payment to XXXX XXXX on XX/XX/XXXX however this was never applied to my account. They claim they sent another check on XX/XX/XXXX and are asking why the check was never posted. They are still currently working with XXXX XXXX to get late fees and penalties assessed waived. 

This note also notified me they have applied fees to my account for the 3 months I have withheld my escrow payments and denied my request to stop collecting these funds. 

During my research I discovered many complaints online about Gregory Funding not paying escrowed taxes and many consumers actually having liens placed on their properties. 

This has been extremely frustrating and time consuming thank you for your assistance with this matter.
Consumer complaint received 2022-06-09
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. (MD)

I went to purchase a car and they were only suppose to use my pre approved letter from XXXX  XXXX but instead they ran it with the following : 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 2022-03-29
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. (MD)

In XX/XX/XXXX, I was XXXX to XXXX, XXXX and forward XXXX to a hostile zone ( orders attached ) during that time XXXX XXXX XXXX reported that I had been late for a {$12.00} dollar credit card bill. I was not aware nor able to know that the bill was past due since I had no form of communication and did not receive a letter. In XXXX, the National Defense Authorization bill included updated language in the FCRA which " extends consumer credit protections to active duty armed and uniformed consumers to dispute adverse actions or inaction on their credit report that occurred while they were in a combat zone, aboard a U.S. vessel, or away from their usual duty stations. I had requested through XXXX XXXX XXXX to remove the item and through Experian and XXXX and XXXX however they said that the bank verified it was valid. the credit bureaus did not take into account the new updated fcra guidance and solely went off of what XXXX XXXX XXXX had reported to them.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (LA)

Saturday XX/XX/2022 Received a text msg from citi.com : Please confirm you recently opened a XXXX XXXX XXXX Account. XXXX, XXXX, or contact us at city.com. Reply STOP to opt out. 

Monday XX/XX/2022 Received same text as above. 
XXXX Immediately received text back : XXXX XXXX Citi : We've blocked this card and lets get this taken care of. Please call Fraud Dept at XXXX or visit citi.com I went online and found customer phone number on Citi.com website. Called spoke to a lady, she spelled her name, XXXX. Explained to her I did not apply for a XXXX XXXX XXXX Account. She reviewed with me all my personal information and verified that my information was used to apply for the card. She proceeded to Closed the Credit Card account and said she opened an internal investigation with Citi Bank Fraud department. 

I would like CFPB to check into phone XXXX to make sure it belongs to Citi Bank or if it is a fraudulent phone number. I did not call this number because I will not give out my personal information to someone that I did not initiate call to. 

Fraudulent texting or solicitation???? [ is it possible that Citi Bank is using this type of text to get someone to apply for a credit card??? ] Contacting you so that situation is noted. 

XXXX2022- Citi Bank has been called by myself, personally, and XXXX XXXX XXXX Account [ Credit card ] has been cancelled and verified as fraudulent. 
Thank you in advance.
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (SC)

XXXX XXXX I completed a letter to all credit bureaus on inaccurate reporting for several accounts on my credit. They are reporting 3 different dates/years on charge off accounts. I requested for the credit bureaus to delete the account. The initial response was verified. I have also provided screen shoot within my letter from XXXX XXXX. I am submitting a second notice for the removal of the inaccurate charge off accounts.
Consumer complaint received 2022-01-17
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. (NY)

On XXXX-2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upgrade, Inc. (FL)

I had two forms of payments on my account for automatic deductions and have never been late on my account.

My brother had XXXX XXXXXXXX and I left for XXXX weeks to take care of him and my parents or father who has XXXX. It was a nightmare having to tell my dad everyday that his son was XXXX and watch him sobbing. 

During the six weeks when Upgrade tried to pull my payment my bank did not have funds but I was not worried because I had a second account on my account with them. I also did not know the payment was missed.

When I returned home after my brothers funeral and noticed the payment was missed I made it immediately. I was told by upgrade even though I have a backup account they can not pull from this account. I explained my situation and showed them my airline tickets for my six week stay and my brothers funeral announcement. Upgrade stated if I sent in a complaint to the bureaus they would take this late payment off my credit and I have tried twice and they still have it on my credit reports. 

This has made my credit drop over XXXX points and has hurt me financially.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I NOTICED THIS DEBT ON MY CREDIT FILE. I PROVIDED POLICE REPORTS, FTC AFFADAVIT NOTARIZED, AND ALL IDENTIFYING INFORMATION TO PROVE THAT DEBT IS NOT MINE AND EQUIFAX HAS REFUSED TO REMOVE OFF MY CREDIT FILE
Consumer complaint received 2024-02-12
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. (GA)

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 U.S. Code 1681a - Definitions ; rules of construction.- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Consumer complaint received 2021-09-01
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. (LA)

XXXX, Equifax, and XXXX  are reporting an account that is deficient of Physically verified validation. The account is XXXX XXXX XXXX. This is an inaccurate account and needs to be removed from my consumer report. Under the FCRA the credit agencies are supposed to report accurate information. This is a violation.
Consumer complaint received 2021-09-01
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: Receivables Performance Management, LLC (OH)

No Contract exists for A RECEIVABLES PERFORMANCE that starts with XXXX. 
XXXX  refuses to change the illegal data listed as a result of their processing of my dispute. They say that The company that reported the information has certified to XXXX that the information is accurate. This is not so. It's reporting illegally on my report.
Consumer complaint received 2022-01-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

Hello, I recently tried to do a refinance on my home and was told I owe XXXX, XXXX and XXXX to XXXX  XXXX my payoff was XXXX. I purchased this home in XXXX of XXXX and I've never once taken any loans. I did a modification in XXXX where Hud applied XXXX to my principal bringing it down to XXXX plus I've made monthly payments. As it stands today I owe XXXX. I've reached out to USBank many times regarding this and no one seems to know what I'm saying only that I still owe this amount. I have since pulled my own documents to look into this matter. Only to find a lot of payments going up after once going down and there's no explanation for it. I keep telling them it makes no since that Id still owe XXXX on a home purchased XXXX ago at XXXX when Hud has paid XXXX toward it in XXXX. I'm just very frustrated and don't know how to get it throw to them there is something wrong. Somewhere down then line someone made a mistake and now it's costing me the customer. At this point XXXX cant refinance due to all the confusion.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (FL)

This issue has been going on since XX/XX/2023. All of the credit bureaus and XXXX are doing illegal things. Per 15 usc 1681 b as a consumer, If i did not give any company or bureau permission to furnish any of my information then it must be removed. The information thats reporting is false as well. I will give you all 30 more days to reinvestigate these matters correctly so that the issue can be resolved once and for all or else I would have to seek legal action pronto!
Consumer complaint received 2022-01-17
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. (MD)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It 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 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Requested this information and still nor response. Notice of Deficiency After carefully reviewing the notice in the amount of XXXX as of XX/XX/XXXX. The amount received from disposition of the vehicle was XXXX ; and the remaining is XXXX per your documentation. After credits of XXXX per gap insurance, the remaining the company stating, Im responsible for is XXXX. 
As a consumer, Im exercising my rights under the 1977 Fair Credit Report Act. I hereby, requesting the accuracy of reporting. 
1. The bill of sale between Credit Acceptance and XXXX XXXX of XXXX. 
2. How the amount was calculated expenses incurred in retaking a vehicle on a closed account? 
3. The amount generated of the amount of credit to my account. Included any payments received since date in item 1 above other credit to which is entitled, including rebates on a 2011 XXXX or credit service charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? if so, please provide the number.