davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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 am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. I expect transparency, reliability, and prompt action in addressing such matters. 

However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : 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 2022-01-19
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. (MD)

On XXXX XXXX, 2022 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 Im being taken advantage of and being ignored. Section 611 ( a ), 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. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CT)

I checked my credit history with Experian Credit Report XXXX XXXX, XXXX and found unknown to me account number XXXX opened with XXXX in XXXX XXXX. I never opened any account with XXXX, never applied for any credit line with them and not aware of any charges for any products or services from them. Also I never got any letters, emails or phone calls from XXXX.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late in XXXX, 120 days in XX/XX/XXXX.
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unlimited Progress Corp (IL)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CDAXX/XX/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-02-14
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 with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts above have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report conmtaining any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

These inaccuracies have prevented me to qualify for an auto loan to purchase a vehicle to commute to and from work which therefore has restricted the job opportunities that i can qualify for.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. I have attached my FTC Report and Police Report which I filed on my local Police Department as proof that I am an identity theft victim. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX I spoke with a representative at Transunion, XXXX, and XXXX about inaccurate information as well as some inquires that I did not authorize on my credit report. I was told to dispute by mail which is what I did. On XX/XX/XXXX I mailed off dispute letters to Transunion, XXXX, as well as XXXX ; which all included the most up to date drivers license in my possession as well as a copy of my social security card. All were sent certified. I received a response by mail on XXXX XXXX from XXXX which stated they needed items already provided in the first letter which asked to delete if they couldn't verify the accounts or inquires. On XXXX XXXX I saw that XXXX did reinvestigate online but did not verify the account accurately and continued to report inaccurate information which is an FCRA violation. I have yet to receive a response by mail from XXXX which is also asked in all disputes. I received a response on XXXX XXXX from Transunion in reference to a explanation of my inquires which is not what I asked for in that dispute. I did not authorize the inquires disputed and I feel my consumer rights have been violated by all three companies.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2021-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (FL)

Guaranteed rate knowing and willfully defrauded me out of thousands of dollars due to errors in my escrow account. This has been going on for almost a full year, i've made multiple attempts to correct with them directly. 

on XX/XX/XXXX guarenteed rate was contacted by my previous insurer XXXX XXXX XXXX  in regards to a payment due for my insurance policy which is escrowed. The payment was to be overnighted to ensure timely payment of the policy. 

On XX/XX/XXXX XXXX XXXX VP of Lending at Guarenteed Rate informed XXXX XXXX XXXX  a payment had been disbursed in the amount of {$470.00}. This payment was never received by XXXX XXXX XXXX. 

On XX/XX/XXXX I contact Guarenteed rate about this payment and again explained it needed to be overnighted to avoid policy cancellation the representative said it would take up to 10 business days to receive the disbursement. 

Due to this payment never being received on time my insurance carrier cancelled the policy and caused a lapse in coverage on my property. This policy was {$470.00} - with this lapse in policy Guarenteed Rate purchased forced placed insurance in the amount of {$3500.00}. 700 % more expensive even though this was caused by there lack of timely payment. 

This caused a significant increase in my monthly payment. In addition to the above I switched insurance carriers on XX/XX/XXXX and emailed Guatenteed rate a cancellation letter on XX/XX/XXXX. Guarantee rate proceed to disperse payment on XX/XX/XXXX for a policy I had already canceled. This once again caused a significant shortage to my escrow and another {$210.00} increase to my monthly payment. 

I've called multiple times, requested an escrow analysis, send documentation as proof, and yet still Guaranteed Rate will not fix my escrow.
Consumer complaint received 2024-02-14
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. (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lamont, Hanley & Associates, Inc. (CA)

After recently reviewing my credit report, I found that there is a collection reported by XXXX that has a date opened on XXXX 2010 and no date of last activity is listed. The amount is for {$290.00} and the creditor is Lamont Hanley & Associates. This debt is over 4 years old and the date of last activity could very well be 4 years as well. The statue of limitations in the state of California for reporting debt is 4 years. This company is in violation of that statue. Also, since there is no date of last activity, I do not know if I owe this amount or if the debt is verifiable. Also, I do not know if this company is licensed to collect debt in my state ( California ). I am requesting that this debt be removed from my credit report immediately.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lendmark Financial Services (MD)

LENDMARK financial took my husband and I to court in XXXX for a XXXX loan that was a late paid {$5000.00} loan. We went to XXXX XXXX. XXXX XXXX and met with LENDMARKs lawyer. We made a payment arrangement and paid off the loan in XXXX. However almost immediately there after with no notice of filing intent, or notice of new court date LENDMARK filed a lien against our house that we never knew about. I even spoke with the LENDMARK lawyer XXXX XXXX when we made the last payment in XX/XX/XXXX and he told me we were good. My husband died suddenly in XXXX I had to sell my house in XXXX the closing is XX/XX/XXXX and Monday XX/XX/XXXX the title company called to tell me that LENDMARK has 2 liens against my house for over {$7000.00}. I called LENDMARK to get an explanation and after being shuffled through 3 differant offices I called head office at XXXX I tried to get an explanation of the liens for a paid off debt but the woman ( who refused to give her name ) had no interest in helping me telling me " I don't have time to discuss your payments you have an outstanding balance if {$3800.00}. '' Clearly a completely different figure than the secret lien amount. I asked to speak to Mr XXXX XXXX but he was " not available ''. I asked for a LENDMARK attorney to call me back. That was Tuesday XXXX XXXX at XXXX Wednesday still mo call. My closing on the house is XX/XX/XXXX between XXXX and Covid 19 It could take me weeks to get copies 7 year old checks from my bank. LENDMARK is trying to rob me by using secrecy and time constraints to box me into paying them over {$7000.00} I do not owe or losing the buyer of my house. Life as a recent widow is hard enough without criminal lawyers coming after your life savings.
Consumer complaint received 2016-06-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

Our loan originator failed to lock our rate in time, even after we requested him to do so and reminded him before the deadline. Interest rates have now gone up and downpayment assistance has decreased. We asked to confirm that this had been acted on with time and he lied to us and told us that he had locked our fate which was not the case.He now wants us to make-up for the loss in downpayment assistance from our earnest money instead of adjusting origination fees to make-up for the loss that was a result of their negligence. The LO and both branch managers have lied to us in the past in regards to other parts of our loan, but this has been the one with the most financial impact so far.
Consumer complaint received 2024-02-14
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. (NC)

XXXX is on my Transunion credit report as a charge off with a {$0.00} dollar balance I provided an IRS 1099-C cancellation of debt which means this account must legally be removed from my credit report asap or I will be filing a lawsuit per the FCRA violation.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I deposited a check from a trust account my grandfather set up before he died for {$4700.00}. I get a check from this account t every year in XXXX. This year, I deposited the check on Monday, XX/XX/XXXX. On Tuesday, XX/XX/XXXX, the check had cleared and all of the funds were in my account. Since I knew this check was coming, it is the only income I have for the month of XXXX, so I used that money to pay all of my bills online for XXXX. Later in the day on XX/XX/XXXX I checked my account and my balance was - {$3000.00}. It seems that AFTER they had cleared my check and deposited the funds in my account, they changed their mind and decided to put a hold on the check and they withdrew {$4700.00} from my account to hold for 7 days. Since I had already paid my bills this put my account {$3000.00} in debt. This triggered an overdraft protection payment to cover that debt as well as zeroing out my US Bank Credit card. I will have to pay the interest on these charges. It is completely unethical for a bank to deposit funds into your account and then later on, after you have spent a good portion of those funds, decide to hold those funds and withdraw that money from your account. US Bank should be held accountable for this predatory practice. I will now have to pay interest to US Bank 's overdraft protection and credit card because of this.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I sent in letters To Equifax, XXXX and XXXX on XX/XX/22 Disputing accounts and inquires that are not mine. It is now 30 days since I sent my dispute letters to these 3 companies and I believe legally they have 30 days to respond. As you can see from my letters which I will attach it is now 30 days.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Experian to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NC)

Hello my name is XXXX XXXX. On XX/XX/XXXX I sent a letter to the credit reporting agencies regarding a dispute response of an account on my credit report that was inaccurate. I also sent a FTC letter and made a complaint to the CFPB regarding the investigation process and how XXXX and XXXX did not give me a proper answer regarding the investigation and their findings and also delayed their initial response longer than 60 days. In the letters i clearly noted that i was severely affected and my information stolen during the target and the XXXX data breach i am seeking the help of the CFPB. Target also sent me a letter on XX/XX/XXXX that they were respecting my right to dispute within the 30 days of notice and I sent them a responding letter back on XX/XX/XXXX providing evidence from XXXX of this inaccurate debt and I then received a letter two weeks later dated XX/XX/XXXX stating that they were closing the investigation and had not received any information violating my rights to uphold for the whole 30 days. Through this whole process they have failed to give me proper evidence of the validation of the debt and used deceptive tactics and failed to provide verification that I was the one that sought out the debt to being with and i want the item deleted from my credit report immediately. I deserved a proper investigation into the matter and not a template response in regards to a personal matter that is affecting me and my family.
Consumer complaint received 2017-01-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (FL)

LoanCare has refused to make available our mortgage statements. We have requested this several times since our statements used to be able to be accessed online until we fell behind and within months we have no access. Since we have no access online we have no access to mortgage information or statement. We have called now over XXXX months and it has been promised but instead we get served foreclosure. We have not been given a notice of intent or acceleration. 
LoanCare have NOT : 1. made available our mortgage statement after many request 2. our access to our online account is no longer available 3. sent out any notice of intent 4. sent out any notice of acceleration 5. loan resolution packages