davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
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. (TX)

On XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties  above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX  v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported  immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2023-06-03
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. (IL)

This is about the Consumer credit Transaction initiated on XX/XX/2020 and XX/XX/2020 with your financial institution executed by way of signing an Agreement ( " Document '' ).

As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, Equifax & XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, Equifax, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.

In case your Company admits that the organization named XXXX, Equifax, and XXXX is affiliated, it has still violated the provisions of FCRA. 

PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control.

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX and XXXX  XXXX XXXX  If you accept my request, I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

While on forbearance, I was sent a letter stating that I was delinquent and that the lender might pursue foreclosure. I requested an extension to my COVID forbearance through the website, however the servicer did not respond. I got a call on the phone, but it was completely silent and there was no response on the other end. When I tried to call them back, their automated system could not identify me by phone number, loan number or SSN. When I attempted to be connected to a customer service representative, it disconnected me. I believe this business attempts to force homeowners into foreclosure by documenting false attempts to reach the homeowner and refusing all actual contact or attempt to engage in loss mitigation with them during that time.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-06-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I am attaching a 3 year timeline of how I have been experiencing the improper handling of my Deed in Lieu with XXXX and Shellpoint. I am still continuing to experience the same stalling tactics as they have improperly closed my DIL twice forcing the process to start over. They failed to send me the DIL package from our original conversation on XX/XX/XXXX, it took months of follow up before I received the package. Once I was approved for the DIL process, they stalled on assigning an inspection date for my property and closed the case without notice ( XX/XX/XXXX ). In addition, to the re-opening of the case ( XX/XX/XXXX ), the assigned XXXX representative became missing in action in XX/XX/XXXX, only to find out that he no longer was working for XXXX and in doing more follow up it was confirmed Shellpoint was taking over XXXX customers XX/XX/XXXX. Shellpoint received my file XX/XX/XXXX and assigned my representative and she would be sending an update regarding the final paperwork status. I had a second mortgage with XXXX, which was satisfied and closed XX/XX/XXXX and XXXX submitted all documents to XXXX in addition to the discharge to the County records on XX/XX/XXXX and recorded XX/XX/XXXX. 
I sent several copies of the Register Of Deeds, as well as the Deficiency Waiver from XXXX on XX/XX/XXXX to meet the clean title requirement and was told several times that I need to have the release of mortgage from XXXX. This process continued from XX/XX/XXXX until XX/XX/XXXX. I clearly stated in email dated XX/XX/XXXX that I felt harassed to provide documents they had access to and I felt they were looking for a reason to close my DIL again as they were threatening if the documents wasnt sent, they will close out the DIL. They refused to do a Title search and kept requesting me to send the same documents.all the things that XXXX had already provided to them and can be found on the Title search. I continued to oblige and paid for the recorded deed to avoid the threat of them closing my case. 


As a result of the continuous stall tactics, mismanagement and lack of due diligence on my case thats been clearly demonstrated throughout this process, I am not accepting a denial of my Deed in Lieu due to a newly revealed ownership change that occurred on XX/XX/XXXX with the county deed office due to a tax sale, when Shellpoint could have acted timely from XXXX XXXX XXXX, XXXX to avoid any transfer of property. 

I have copies of all emails and phone calls that have been documented during this entire ordeal and it is also worth mentioning that I have also fought 2 battles of XXXX ( XXXX and XXXX ) during this 3 year period.
Consumer complaint received 2023-01-05
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. (PA)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX  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 2020-06-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (CA)

I phoned ATG Credit LLC, and advised them that I had just returned to work due to Covid-19, and to not pull my XXXX payment. But to restart my payments on XX/XX/XXXXsince I had returned to work. A supervisor told the representative that it would be okay to stop the ACH pull for XXXX. They waited 8 days and pulled the funds anyway. Causing a medical hardship because the money they took was for my medical premium which must be paid because I have a XXXX XXXX XXXX 

I requested they not pull any more funds from my checking account and they have yet to refund the monies pulled in error.
Consumer complaint received 2023-04-08
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. (OH)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXE # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXXE # XXXX, Account Name : XXXX XXXX XXXX # 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 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 2021-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

Every morning this week XXXX keeps calling me, waking me and my family up. Pretending to be chase to try to collect my debt. My phone hangs up on them or I end up hanging up on them. This is in convenient and affecting my sleep. Please stop them from calling me.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I called Bank of America on Friday XX/XX/XXXX regarding a negative XXXX balance on my checking account. Apparently something fradulent had transpired and I decided to close my checking account and start a brand new one. I called again on Saturday XX/XX/XXXX to see if they have closed my checking account and they have not. I want to know why they haven't closed the account with the negative balance that they put. 

Best regards
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, 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. (FL)

I am submitting this to all consumer and credit bureaus to add a personal statement ( with the exception of XXXX ) as was able to add to my statement through their portal.
Consumer complaint received 2023-03-21
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. (TX)

There are inaccurate information being reported on my Experian credit report. I disputed the following and was never contacted by Experian of their investigation : Account Type : Collection - this is not a collection Open/Closed- This is left blank, however it is a closed account Paid off : shows <1 % should be 100 % paid Term : they show 1 month, but still updating credit file for 2 1/ 2 years!

All of this information should be corrected immediately or remove this negative account from my credit file!
Consumer complaint received 2021-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I contacted transunion on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, transunion couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.
Consumer complaint received 2021-01-19
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. (FL)

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2021-01-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (CA)

I am not getting any updates as to where my refinancing status is. I started this process back in XX/XX/2020 and still have not been closed. I have been told not to make my mortgage payments for the last several months because I was told everything would close within that month. So I had to continuously scrape up money to go backwards and pay the mortgage for prior months, which also included late fees. This is getting to be more stressful and upsetting. I have reached out several times to my loan officer and I get no responses. I have sent complaints through the companies website. No response. This is becoming a financial burden, and I need it to be closed out as soon as possible. It has been six months.

I have saved all the emails I have between me and my loan officer si nce the start of the refinance process, which also include my concerns/complaints.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have a few accounts that are still currently updating on my credit file that were included in my 2016 Bankruptcy. I have contacted the creditors multiple times and have sent them a few disputes requesting they report accurately but I have yet to receive a response. I don't understand how the bureaus can allow this to happen specially after I disputed it directly to you and notified you that they were against the Bankruptcy stay. This is now affecting me when I try to get financing, which is should not, and I've spent too much time, money and energy on trying to get these violations resolved. The creditors in violation on my credit file are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I need these accounts to be back dated and reported correctly on my credit file. I understand my rights as a consumer and will take further action if needed. Please fix these accounts on my credit file.
Consumer complaint received 2021-01-19
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Consumer complaint received 2023-06-03
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. (MS)

I have double-checked my report and still see these inquiries appearing that I am not aware of where they came from. Listed below are the inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I Request these items to be deleted on my report ASAP.
Consumer complaint received 2021-01-20
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. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.