davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
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. (CO)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX  - XXXX - XX/XX/XXXX - {$9400.00}
Consumer complaint received 2022-09-23
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. (NC)

After providing proof to Transunion they are still choosing to report false information on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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. (PA)

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX  Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2024-11-13
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. (FL)

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 15 USC 1681.

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 15 U.S.C 1681c. ( 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. 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.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

My last CFPB complaint was intended for : Mail Code : " XXXX '' XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Executive Office of Chase Bank, I have filed a separate CFPB complaint on XX/XX/2022 to raise awareness to my rights which were violated. I spoke to a handful of chase employees along with your corporate employees have willfully ignored my demand for abiding by the law. 

I have mentioned I, the consumer and natural person, extended my credit and was initially discriminated against in the extension of credit by Chase applying for the CHASE VISA SIGNATURE BSUINESS card account. 

I was discriminated against in this transaction and will not tolerate this any further. Adverse action against a consumer is against the law 15 U.S.C 1691 ( C ) and Chase will be held responsible through civil liability. 

I have no received any acceptable responses since then indicating that Chase would do anything to resolve this matter.
Consumer complaint received 2024-11-13
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. (WI)

Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing ton my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This Fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX for the amount of {$7300.00}. XXXX XXXX XXXX with a balance of {$22000.00} and also original balance of {$15000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Report Number XXXX as proof from the U.S Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (CA)

XX/XX/21 I contacted prosper at the end of my extension to continue my regular monthly payments. Note : prosper granted me {$50.00} payments during the pandemic. When I made my last reduced payment Prosper said I would need to pay {$1500.00} for my next payment because the term of my lease due. I would have to make to payments of {$1500.00} to close out the loan. I requested to pay {$400.00} because the pandemic limited my income, they refused. I now have a charge-off on my credit. Prosper demanded full payment during a time when customers where struggling.
Consumer complaint received 2024-11-13
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. (CT)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2023-04-04
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. (MI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 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 XXXXXXXX
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WI)

On XX/XX/22 I deposited 2 XXXX XXXX money orders via the US Bank app. XXXX valued at {$66.00} and the other {$1000.00}. I received 2 emails on XX/XX/22 that both checks were accepted. Looking at my account, both checks were deposited, however {$1000.00} is missing. I called customer service on 2 occasions and was told only a branch manager can help me. I went to the branch in XXXX, Wi to speak with the branch manager who also had no idea why this was happening. After sitting with her while she tried to resolve the issue for over an hour, the only info we were given is the {$1000.00} is being held until XX/XX/22 due to the banks discretion. No more explanation.
Consumer complaint received 2022-10-31
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. (TN)

Your company is deliberately passing reporting obvious inaccurate information. This is my third or fourth time requesting a Line by Line investigation, and or that these accounts be deleted because they are inaccurate. You and I both know that you are Not doing a proper investigation In Accordance With ( XXXX ) the Fair Credit Reporting Act. How many times do I have to bring the fact that you are reporting Inaccurate information to your attention, which you and I both know is a Blatant violation of my federally protected rights. I prefer to work this at the lowest level, but you are leaving me no choice. I need these corrections to be made and inaccurate accounts deleted. Incorrect Names : XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, TN XXXX. Incorrect Employment : XXXX. Correct Employment : XXXX XXXX XXXX. XXXX accordance with 15 U.S. Code 1681s2 - ( b ) ( 1 ) ( D ) Responsibilities of furnishers of information to consumer reporting agencies this information must be deleted if the investigation finds that the information is incomplete or inaccurate, report those results to All other consumer reporting agencies to which the person furnished the information and that maintain files on consumers on a nationwide basis. Accounts Deleted off other Credit Reports : XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX. XXXX XXXX Account # XXXX. Incorrect Inquiries : XXXX XXXX XXXX XXXX & XXXX. These accounts and inquiries have been deleted from my XXXX and Equifax Credit Reports. In accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated reinvestigation system ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency XXXX report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting act, these accounts are in violation of my rights. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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. I am tired of asking the credit bureaus to delete these inaccuracies and to stop violating my rights.
Consumer complaint received 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I have a mortgage thru Pennymac. Back in XXXX thru XXXX I paid them on time and correctly thru wireless transfer from my bank to their account. They applied my payments to the wrong account. After I proved to them that I paired them and to the correct account they credited my account with the payments. I had to send them Notice of Error and Request of Information letters to get the problem fixed. They would not assist me over the phone.

My payments went as planned for two months and now the last two months payments XXXX and XXXX have not been applied to my account even tho I paid them thru wireless transfer. I have written another set of Notice of Error letters and Request of Information with no resolution yet. I am still getting phone calls and letters from Pennymac about being 2 months behind on payments even tho I have statements from my bank that I sent to them showing I paid in full on time.
Consumer complaint received 2022-10-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2022-10-31
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-23
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. (OH)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX account number:XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after. 

All accounts in dispute listed below.
Consumer complaint received 2022-12-07
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: SANTANDER HOLDINGS USA, INC. (LA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has agreed to remove the late payment and it will reflect on my credit report within 15 days. It was removed immediately the next day from all XXXX credit bureaus after they agreed. But then the late payment reappeared in a few days. This is causing a major dip and confusion on my credit report and goes against terms. Today makes 15 days and the late payment is still on my report.
Consumer complaint received 2022-09-23
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. (VA)

This account is over XXXX XXXX XXXX and it is still being reported on my credit report. 

This is in violation of the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-09-23
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: Global Lending Services LLC (FL)

Global Lending Services has agreed to remove the late payment and it will reflect on my credit report within 15 days, we have this in writing. It was removed immediately the next day from all 3 credit bureaus after they agreed. But then the late payment reappeared again in a few days. This is causing a major dip and confusion on my credit report and goes against what was agreed. Today makes 15 days and the late payment is still on my report.
Consumer complaint received 2024-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP (CA)

The attached document from XXXX  was received on XX/XX/year> stating that the owner of the loan is XXXX XXXX XXXX XXXX XXXX  XXXX. 

They have not been providing me a payment schedule but their address is the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Aldridge needs to cease and desist his criminal practice of this case. I do not have any dealing with this law firm.
Consumer complaint received 2024-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (GA)

Hi, Ive been receiving few calls from XXXX XXXX XXXX XXXX XXXX Starting XX/XX/year>XXXX  Upon research, its Transworld Systems Inc. ( TSI ), a debt collections agency. My credit is really good, and I always make any outstanding payments due on time ( any credit card payment or monthly payment ). Most importantly, I am not aware of any outstanding missed payment or debt and even checked my credit report for collections in both XXXX and XXXX but none is present. If there is any genuine collection or debt I have, I will pay for it. However, I believe there is none, and I dont want them to constantly calling me over a phone. I think this is either error ( wrong claim ) on their end or possible identity theft I am concerned about. Or TSI is a scam.