davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (CA)

First and foremost, I must emphasize that my right to privacy is of the utmost importance. I am invoking this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), it is your full responsibility to " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am asserting my right under this statute. Kindly ensure that the following information is handled with the highest level of fairness, impartiality, and respect for my privacy. 

Pursuant to 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized these companies to have any permissible purpose. As such, they are in clear violation of this law. I request that these accounts be removed from my credit report as they are negatively affecting my reputation, character, creditworthiness, credit standing, credit capacity, and more. Since you are obligated to protect my privacy, I expect this matter to be addressed with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX BANK IS IN VIOLATION OF THE CREDIT REPORTING ACT XXXX XXXX CODE XXXX FOR UNLAWFULLY OBTAINING MY CREDIT REPORT SIZ ( XXXX ) TIMES FROM TRANSUNION CONSUMER REPORT DATED XX/XX/XXXX WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  ( A CLOSED ACCT ) XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX I WROTE THEM A LETTER, DETAILING THE EVENTS AND THEY WROTE BACK ASKING FOR THE DETAILED EVENTS - SLOW WALKING THE PROCESS
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (GA)

I lived in the XXXX at XXXX XXXX community until I sold my home in XX/XX/XXXX. XXXX XXXX, the owner of XXXX XXXX XXXX was our property manager. We only had XXXX boardmember who was strongly influenced and by the XXXX XXXX was the primary person who conducted the HOA meetings even when it involved new plans for the community and speaking with the boardmember. She overstepped her boundaries. In XX/XX/XXXX, she sent homeowners a letter request to meet to vote on a special assessment for property they told us we had to accept even though we strongly stated we didnt want it. The assessment would be {$100.00} for a XXXX time increase in HOA dues for XXXX to pay taxes and survey land. The land was surveyed during development by XXXX XXXX, XXXX. The vote didnt pass, but they enforced it any way. Our covenant/bylaws states the board is allowed to accept property, but not if it will adversely effect homeowners. It also states there has to be a majority vote for special assessments. This property was owned by the developer who was unable to maintain it or the taxes so he XXXX deed it to us for {$1.00}. The problem with it, the lake had environmental issues and the taxes were over {$5000.00}. I went to the court house to research the property. Thats how I learned of the XXXX Deed. They went behind our back, accepted the property and filed it at the court then came to us months later trying to coerce us into going alone with the acceptance and vote for the assessment under false pretenses. The land was not legitimate so they were not valid in collecting money for something that didnt belong to us. The lawyer the XXXX hired was going to the courthouse checking, he had just left XXXX day I went and the clerk said he had been there asking about the transfer. He was still carrying the story they needed the {$100.00} for the property until I addressed it in our XXXX HOA meeting. Then, he admitted it wasnt transferring, but the money would go into a special assessment account for emergency repairs. Taking advantage of homeowners! Because it was not worth paying an attorney, I resolved the {$100.00} balance with them when I got ready to sell. I pulled my credit report recently and noticed XXXX and their attorney/Account Collects person reported negative information on my report in XX/XX/XXXX. The developer never signed our community up with XXXX. XXXX tried to sell us on why it would be beneficial to join XXXX and she said it was required by XXXX law for all HOA who were not at member to join now. She was trying to give herself collection power amongst other things. We never voted and our covenant/bylaws require a majority vote for such action. The only way they can make this type of change is to bring us into compliance with regulatory guidance and that was not the case.
Consumer complaint received 2022-09-20
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. (NY)

False Credit Inquiries were made on my credit reports ( XXXX, Transunion and XXXX ). I had spoken to the Federal Trade Commision and was assured that the inquiries would be removed from my credit
Consumer complaint received 2022-09-20
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: CL Holdings LLC (NY)

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-03-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (TX)

Due to COVID Pandemic I applied for a forbearance to assist through the difficult time period off the shutdown and loss of a loved ones, Planet Home Lending , LLC. ( PHL ) was very helpful during this difficult moment, lead me to believe the help was to review the account and continued to verify my hardship with assistance from Texas Homeowner Assistance Fund program, and the Veterans Affairs Loans Servicing Department. 

To my dismay, PHL agents contacted me and asked me to contact TX Homeowner Assistance Fund ( STATE ) program for the assistance to help with the payments that accumulated over the time of the forbearance, as well as contact the VA loan technician assigned to my mortgage because PHL wasn't able to get any response to move forward with the partial claim being processed. 

Upon the initial contact with the technician there was delays due to high volume of cases during the pandemic and the VA had been back logged for a longtime, per my conversation with the agents at TX HAF ( STATE ) program they were having a difficult time getting the necessary information needed to continue the process to assist and aide me through my time of need, and would email me asking for updated information PHL had failed to produce/provide to move forward with the process and the approval forward. 

I received a call XX/XX/XXXX from PHL stating that they received a lump sum pending on my account and I didn't have to make payments for few months or to the beginning of the new year, when asked was the payment sent from TX HAF program the agent wasn't able to identify all the pertinent information at that time... could only verify payment pending, I later found out that the payment came from TX HAF not VA per Loan Tech XXXX XXXX XXXX, stated that the VA doesn't send monies to the mortgage company ( XXXX ). 

This caused major concerns/ problems because PHL appeared to be waiting in the shadows for whichever opportunity that best suited their agenda leaving me having to get ready more difficult days ahead due to PHL issuing a statement of them returning the amount {$24000.00} that went from pending XX/XX/XXXX to posted XX/XX/XXXX, but the overall disappointment from PHL is the fact they've stated that the information given at the time was misinterpreted/misinformation delivery and then proceeded to apologize for the mix up, stating that the actual order of their process was the partial claim that became the initial payment accepted from the VA for the previous forbearance that was on file dated XX/XX/XXXX. 

PHL stated that the funds from TX HAF program would have to be returned to the State, regrettably that has not been case, nor has there been any returned or received funds per the TX HAF ( STATE ). 

Truly... Respectfully, Best regards to this matter!
Consumer complaint received 2022-09-20
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. (MO)

I am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX D XXXX CT XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-08-14
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. (GA)

On XX/XX/2022 I sent letters to XXXX, Transunion and XXXX credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

EXPERIAN is obligated by the FCRA to report accurate information as it relates to consumer reporting. Please be advised that the inquiry from XXXX is being reported are FRAUD. This is identity theft, as I did not give said companies written authorization to add any inquiries to my credit report. EXPERIAN has 4 days to remove the inquiry pursuant to 15 U.S. Code 1681c2 -Block of information resulting from identity theft In addition, this is a violation of 15 U.S. Code XXXX - Permissible purposes of consumer reports. I am requesting that XXXX provide the documentation used to determine that the inquiries were indeed authorized by XXXX XXXX, the consumer. EXPERIAN will need to provide me with the person to whom they spoke, the documentation used, and signed authorization with my wet ink signature. If EXPERIAN does not have the documentation to show these inquiries were in fact authorized, it must be removed ASAP. The inquiries reported are adverse and derogatory in fact and in principle, and their reporting is in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer.

This inquiry should be removed ASAP so it does not continue to adversely affect my creditworthiness.
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (CO)

After over 4 hours of phone conversations on 4 separate times about page 8 of my hard copy of my credit report. PDF versions do NOT show soft inquiries. 
1. Being told - can't file a dispute on soft pulls. 
2. Told the nasty comment on the soft pull has been changed to Account Review Inquiry. 
3. Told me there is nothing I can do to fix this nasty comment on my soft inquiry credit report. 

Original line reads " XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX. 
The credit union above did an investigation with my phone call and said they did NOT do an inquiry to Equifax. They called Equifax and ask them to remove it. Equifax refused. 
Someone is using their name, XXXX, to try to obtain my credit file information. I have had a freeze on my Equifax Credit Report since the XXXX Breach. This doesn't stop soft inquiries. 

This is fraud! Equifax will NOT cooperate with me or the XXXX XXXX to do further research. 
Equifax did agree to change " LOSS MITIGATION '' to " ACCOUNT REVIEW INQUIRY '' What gives Equifax the right to change it to a less nasty comment on a fraudulent soft inquiry? Who is using XXXX 's name to get my file? Why does Equifax cooperate with illegal operations or a breach? 

I can NOT file a dispute with this type of fraud entry - why? Told over and over again, no disputes on soft inquires. There is no mention of XXXX anywhere else in my credit report. There is no other negatives on my report also. I have lived overseas for the last 15 years and have no need of credit from XXXX. 

What give Equifax the right to change it and why are they not required to investigate it? Does FCRA Sec. 1692 parts D and E demand investigation? Removal if fraud? Contact law enforcement for illegal breach of my credit file. 
I contacted two mortgage lenders who told me this entry has to be removed to process a mortgage application. Equifax is breaking the law, by not removing a entry on my hard copy mailed to me and not investigating it. The credit union also told me- Equifax would NOT cooperate with this type of soft inquiry entry to be removed. 

Equifax is clearly helping fraud and doing almost nothing about it.
Consumer complaint received 2024-09-26
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)

n accordance with the fair credit reporting act. The list of accounts below has violated.. my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX XXXX ... # XXXX ... .. XXXX XXXXXXXX XXXXXXXX .... I # XXXX .... XXXX  ... .. # XXXX .... XXXX  .... # XXXX ... XXXX .... # XXXX... 
XXXX XXXX XXXX ... .. # XXXX .... XXXX XXXX XXXX ... .. # XXXX ... XXXX XXXX XXXX  ... # XXXX ... .. XXXX XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... # XXXX XXXX XXXX XXXX XXXX XXXX .... # XXXX ... .. XXXX XXXX XXXXXXXX .... XXXX  ... XXXX XXXX... XXXX XXXX XXXX XXXX... XXXXXXXX XXXX  XXXX XXXX. 15 u.s.c. 1681 section 602 A. State I have the right to privacy ... 15 u.s.c. 1681 section 604 A-section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing 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 ... 15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..