davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
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. (OH)

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. 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 45 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 XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-13
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. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

In XXXX of XXXX, we had a house fire and the insurance company paid myself and the mortgage company, Fay Servicing, a lump sum of {$530000.00} in order to rebuild the home. I began construction in XX/XX/XXXX after delays due to covid, permits, and material shortages and I personally have invested {$200000.00} from my own funds in order to start building my home. Fay Servicing inspectors have come out to inspect the home and according to them the home is more than 50 % complete which warrants the mortgage company to release my funds. The inspector was told to purposely downgrade the inspection from 50 % to 39 % ( I have text message proof from the inspector ). Until today XX/XX/XXXX, Fay Servicing has only released {$60000.00} of the funds in order to build my home and is refusing to release the rest of my funds to rebuild the home. They have held my funds for such a long timeframe that at this point my insurance company is no longer paying for my temporary housing. I have explained to them on multiple occasions that because of their lack of urgency to release the funds I am in a situation where construction has halted, and I can not afford to pay the mortgage and pay for my own temporary housing. I feel that Fay Servicing is purposely engaging in deceptive practices so that I go into foreclosure and they can keep the funds that were meant to rebuild my home. I desperately need help and I can not afford to hire attorneys, pay for my mortgage, or temporary housing because all of my funds are invested into rebuilding my home.
Consumer complaint received 2020-11-25
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: Experian Information Solutions Inc. (PA)

Ive tried again contact with XXXX  XXXX XXXX and Experian Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX  Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXXXXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX-XXXX  Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX
Consumer complaint received 2021-04-28
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. (AZ)

I contacted the credit reporting agencies multiple times and requested a dispute I've also submitted dispute on their online portals and each time they take upwards of 30 or more days and then make no change to the report when in fact during that time creditors have indeed sent updates and the statements have in fact updated the credit reporting agencies however continue to not report the correct information.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In commerce truth is sovereign.

Truth is expressed in the form of an affidavit.

An unrebutted affidavit stands as truth in commerce.

In commerce for any matter to be resolved, must be expressed.

He who leaves the battlefield first loses by default.

Sacrifice is the measure of credibility : A lien or claim can be satisfied only through rebuttable by affidavit point by point, resolution by jury, or payment.

Not sure why all my credit card companies and reporting agencies digging a deeper whole, willful non-compliance to my FTC identity theft affidavit which is notarized by repeatedly, 5x that my identity is verified. 

You are required by law to remove from credit report and credit card, the information that relates to the theft. 

Furthermore, anything added to a consumer report without my written consent could be considered identity theft. 

The notary has higher status in law than the attorney general, and you companies be out here telling me opt out isnt law, saying you fcra compliant, I mean, how long is this act negligent non compliance?
Consumer complaint received 2024-02-09
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)

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 2024-02-13
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)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items. Listed below are the Inquiries that are being challenged 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 2022-01-17
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. (CA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2021-04-28
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. (AZ)

I contacted the credit reporting agencies multiple times and requested a dispute I've also submitted dispute on their online portals and each time they take upwards of 30 or more days and then make no change to the report when in fact during that time creditors have indeed sent updates and the statements have in fact updated the credit reporting agencies however continue to not report the correct information.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive tried again contact with XXXX  Trans Union and XXXX Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX-XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX
Consumer complaint received 2020-07-08
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. (AR)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I purchased a prepaid Vanilla gift card on XXXX day ( XX/XX/22 ) the next day we went to use the card and it was empty. When I checked the balance online, it was used somewhere else in the state. I filed a complaint and did everything they asked me to including send a photo of my ID and all sorts of things. They said I had to wait 3 months and I did. I called again after 3 months and they said they mailed it and it would be here on XX/XX/XXXX. I waited and it still did not come. I have emailed and emailed and emailed and have gotten XXXX response. I've called and waited on hold for over 35 minutes. The last time I called they said that the case was closed because I already received a new card. I told them I HAD NOT. They said they would send another one and here I am waiting AGAIN.
Consumer complaint received 2021-05-20
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. (CA)

XXXX XXXX XXXX refuse to even allow me to my account access online, mail services only. It's been over a month no response regarding the illegal financing of vehicle on credit report at 3 time the legal rate. 2nd Joined Experian to monitor credit monthly for a fee of course, I go on-line after getting a email stating good news about my credit, to find out all scores has dropped out the blue. I've paid, closed out account disputed accounts paid sent in proof to all 3 credit agencies, to show in fact items paid. Thru my banking information which is also verification of payments of all bills that don't reflect on credit. Just the fact credit was ran for services or credit which has also affected credit. XXXX XXXX has knowledge of illegal action by several agencies running credit without consent or permission due to illegal actions of XXXX XXXX illegal financing. Make a long story short because i'm been filing complaints with hopes to strengthen credit to buy a new home in the future. I cant do that with my credit score dropping every 15 days XXXX point unexplained unless I pay. I'm sick of it! I've been tracking every bill with hopes of resolving. XXXX is just there to support the negative reporting on reports. I've never had a utility bill shut off in 19 years of paying bills, no credit for that. XXXX XXXX bill paid every month in advance but will reflect last payment 2020 are you serious, but my phone on. Its just the small negative actions of the bureaus. 12 inquiries on reports of illegal actions of finance agencies are still on my report as if I said run my credit because XXXX XXXX finance my car at 3 times the amount, well I didn't. Its just sicken, how to be look down upon thru credit even tho you try to show your a responsible person or gain trust of others by making payments. It's just like giving a dog a empty bowl, knowing he hungry. I paid out my whole stimulus with hopes of bettering my credit to be treated as if .I don't matter!
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: Experian Information Solutions 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 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am looking for loan forbearance under the covid-19 assistance from SunTrust bank. I have spent over 36 hours on hold only to be cut off. I try to fill out the form on their website and it does not recognize my loan number. I can not find a means to email them. There is nothing on their website to email them. I can not find an email for their corporate offices. None of the phone numbers I have called are answering or giving an option for a call back. I am a customer of SunTrust and have no way to talk to a live person to discuss my issue nor to communicate electronically. I am completely shut out.
Consumer complaint received 2022-08-09
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. (PA)

I sent a letter on XX/XX/22 to Equifax and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am a new Bank of America Customer. I am starting to regret this decision. On XX/XX/XXXX. I made a payment of 200 over the phone with a representative. That same day, another payment of 1000 was taken out of my checking account by Bank of America. When I realized they did this, I called them immediately to request a refund. The agent then informed me my refund request was processed and I should received my funds within 3 to 5 business days. On XX/XX/XXXX I called Bank of America again to confirm that my funds indeed were processed. they claimed it was processed but instead of receiving it in 3 days, it will take a week. On XX/XX/XXXX, I called Bank of America to ask why I haven't received my funds. I escalated the issue to a supervisor who informed me that my funds were processed however it will take 2 billing cycles for me to receive my money. At that point, I was very furious. Everyone I talked to, told me something different. On XX/XX/XXXX I called Bank of America again to express my frustration A supervisor informed me I will be receiving the refund soon. They held my 1000 dollars and refused to refund it to me. On XX/XX/XXXX, I called Bank of America once again to inquire about my refund, just for a representative to tell me they refunded me XXXX dollar instead of the 1000. The fact that they even took my money without my authorization and lied telling me they refund it and they didn't. They claimed they refunded XXXX dollar in my account. I checked my account and there is no refund from them. This is the worse bank ever and I'm still new. All their customers service rep lie and some of them have no idea what they're telling their customer.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.
Consumer complaint received 2022-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Hi, I had a loan with Pennymac at 3.87 % which I refinanced in XX/XX/2020 with them at 2.75 %. 
When I refinanced the loan with Pennymac in XX/XX/2020, my new payment was calculated at 2.75 % and monthly payment was ~ {$2600.00} which included Principal [ ~ {$1000.00} ], Interest [ XXXX ] and Escrow [ ~ {$350.00} incl. property tax and insurance ]. My loan contract closing disclosure has this payment for ~30 years [ unless there's a change in property tax or insurance ]. 
However, in XXXX, Pennymac changed my monthly payment from ~ {$2600.00} to {$3300.00}, an increase of {$670.00} per month and they did communicate about it in advance. 
When I spoke to them about the increase, first their officials told me that your escrow is increased because property taxes have increased in your county which isn't a true statement. When I escalated this issue, I was told someone in their refinance team did the calculation mistake in the closing disclosure and numbers told to me were incorrect when I signed the contract. 

I wanted to reach out to you if this change can be reversed because this is a significant increase on monthly payment and something not in line with my loan disclosures that I signed. 

Please let me know if I can clarify this issue further.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.