davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) XXXX XXXX reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

XXXX XXXX did an injustice to me by reporting my agreed payments as late.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) XXXX XXXX reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

XXXX XXXX did an injustice to me by reporting my agreed payments as late.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC (IL)

I was going through a XXXX. I was awarded the formerly shared account from XXXX in the settlement. On XX/XX/XXXX, my now XXXX  continued to try to withdraw funds and so I decided to open a new account and just transfer the funds out. 

In the process of trying to get this open, XXXX said that they got a report from Early Warning reporting service allegedly about " an issue with a bank or financial institution ) and so a was not allowed to open the account. 

XXXX gave me the contact information for Early Warning and I immediately contacted them. I was concern with having to provide my full XXXX and to a person that sounded like they were working in some kind of XXXX XXXX XXXX XXXX 

I nonetheless went through the process and was told that I would have the report within 15 days. 

Today ( XX/XX/XXXX ) I called because I still have yet to receive any documents. When I called, they wanted me to re-provide all of the personal info. I said that I had a reference number but they couldn't find it without the personal info. I gave it and then I was told that they didn't get another form from me. 

I was never told that more documents were needed and now am waiting for them to send me the alleged needed form again. Most interesting is that they said that they needed to send this through the mail. But I only had given my email address.
Consumer complaint received 2022-06-06
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. (IL)

This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information
Consumer complaint received 2023-12-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC (NH)

Pursuant to 12 CFR 1024.36 ( QWR ), I have requested full accounting ledgers on many occasions from SLS ( see attached ). The mortgage debt was originated and transferred to many different servicers. At one point XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) serviced the debt. On or about 2012, XXXX XXXX XXXX, advised that they wrote off the debt and forgave the balance per the National Mortgage Settlement of 2012. SLS has refused to supply the ledgers from all past mortgage servicers. Per the FDCPA and CFPB law, SLS has an obligation to supply all accounting ledgers to prove up the validity of the debt. They are claiming that the debt has accelerated from {$48000.00} to over {$120000.00} with no explanation. They have also filed notice of default on this matter.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I'm being inundated with emails from a company named Coinbase regarding an account I allegedly have with them. Please understand that I have no account with this company. While I have unsuccessfully attempted to contact the company in order to inform them of this fact. It is impossible to reach them. Evidently whoever has this account lives in XXXX, and is fraudulently using my email. Please help me inform Coinbase that they are evidently being defrauded. Thanks.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

15 USC 1681 Section 602 states that I have a 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 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2022-06-06
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2022-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

There are four ( 4 ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX, XXXX My Suntrust Bank credit card received suspicious charges, so I contacted Suntrust card services by phone. The suspicious charge was deleted, and the card service employee suggested my card be discontinued and a new card issued to me. I told her that my wife and I had several credit/debit cards with Suntrust, so simply discontinue that card and that account, which ended in XXXX. She agreed to do so. No further statements were ever received by us regarding that account. 
Beginning XXXX, XXXX, Truist took over accounts of Suntrust due to merger, and immediately I received an annual charge of {$89.00} on the above referenced account. I WROTE a letter to Truist card services stating this was an inactive account and the card no longer existed.

After receiving two more statements, now with late fees, I CALLED Truist card services explaining that these were charges on an inactive account, and while explaining that she was showing the above account to still be active, told me Truist has a policy of NOT crediting annual charges. She said she deactivated the card ( the same thing I was told in XXXX of XXXX ). I've just received yet another statement with another late fee. 
This is an internal mistake by employees of the bank card services. I'm not paying fees on a credit card account which should NOT have existed as of XXXX, XXXX. Again, following our conversation in XXXX of XXXX, no further statements or activity were received by me, nor sent out from Suntrust Bank... the matter was closed.

Truist refuses to address this situation, but harrassingly continues sending me monthly statements plus late fees on a non-active account. Please help.
Consumer complaint received 2024-09-23
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-05-24
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-10
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2022-06-06
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. (CA)

Regarding complaint # XXXX Its been XXXX  days, and Transunion has NOT responded to the CFPB regarding my complaint. 

Transunion has failed to respond to myself via written notice. 

Transunion is bound by law to remove the derogatory item that they have furnished on my credit report. 

Transunion has failed to respond to my dispute within the 30 day time period.
Consumer complaint received 2024-09-23
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. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NV)

Sent a letter to me for possible litigation. They did not respond to my validation letter requesting if they are legitimate company or if they are allowed to collect debt in my state. I sent the validation letter in XX/XX/2022. Still no business license sent or proof they can collect in my state
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

My mortgage includes an escrow account, and my monthly mortgage bill includes an escrow component so that the lender/servicer will taxes and insurance directly. My lender/servicer has failed to pay property taxes on my home for 2021, starting with first half billing in XXXX, and second half billing in XXXX. The full 2021 tax amount is delinquent, and has accrued {$1000.00} in interest and penalties, growing daily. 

I received a delinquency statement for first half taxes due in XX/XX/2021 in XXXX. I contacted my lender/servicer and asked them to resolve the failure to pay. Their customer service group assured me that the taxes due would be paid in full. I monitored my property tax account for the following months and noted no action by the lender. 

When the 2nd half tax payment was not made timely in XXXX, I again contacted my lender/servicer on XX/XX/XXXX, asking that they investigate and resolve, including payment of all interest and penalties resulting from their failure to pay. I received a response on XX/XX/XXXX, asking me to provide the tax billing statement to them. I responded with the requested information on XX/XX/XXXX. On XX/XX/XXXX they replied and stated they would respond within 5 business days. I have received no further information from them on this matter.
Consumer complaint received 2024-09-23
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. (GA)

This is related to my initial complaints. I have completed my identity theft kit as the XXXX Bank requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX FRAUD INQUIRIES : XXXX OF XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXXXXXX 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. For XXXX, I have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was 2 years between the first charge and the one in question. They have opened another dispute about it. Also I called Regions bank to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.