davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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)

I had a Fraudulent hard inquiry on my Transunion Report that took place on XX/XX/XXXX from XXXX XXXX. Customer will not take care of it.
Consumer complaint received 2023-04-15
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. (TX)

I have six student loans with XXXX XXXX and each loan shows up individually on my Experian report, please see the attachment labeled " XXXX  Late Payment Data ''. 

You will also see each of them has corresponding " late payments '', and the details of these late payments posted can be seen by reviewing the listed attachments " Loan XXXX - XXXX. 

I have tried helplessly to work with XXXX on two goals via phone and email with their support staff to no avail : ( 1 ) These six individual loan entries on my Experian credit report, all with late payments, are preventing me from repairing my credit. On the XXXX website, while they do list loans individually, they combine the total balance of loans and you make payments across all the loans when you make a payment, not individually. These six loans need to be combined into one loan, with any corresponding late payments, as opposed to what is listed currently. 

( 2 ) I previously spoke with XXXX a few times now on the phone over the late payment information that is showing on my account. I need this information reviewed in entirety for each loan. In the attachment " XX/XX/XXXX to XX/XX/2020 '', this was an email from XXXX stating loans would be in forbearance from XX/XX/XXXX to XX/XX/XXXX. I called before this forbearance ended and was told I was not eligible to continue forbearance, even when I had not yet found a job after graduating. 

I spoke with someone last month who said that should not of been the case, and that forbearance after XX/XX/XXXX was still being granted upon request. I could not pay, and was also told false information ( whether by mistake or not ) I am unsure, but I would like associated late payments which any account holder was qualified to be under forbearance removed as I was told I was not able to, when indeed, I was.
Consumer complaint received 2021-11-29
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The accounts that does not belong to me, are constantly reporting on my Credit Report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXXXXXX XXXX XXXX - Balance : {$0.00} XXXX  XXXX - Balance : {$450.00} XXXX XXXX - Balance XXXX {$11000.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX - Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX - Balance : {$250.00} XXXX AXXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$120.00}
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Earlier this year I opened a secured credit card with Capital One after closing another account with a lower credit limit. The reason I closed the latter account was because Capital One constantly stopped me from being able to use my credit card because I was paying the balance on the card via my brokerage account. The first time the account in question was restricted by Capital One, I submitted them the paperwork to prove the account I was paying the card from was indeed an account owned by me. After waiting the two weeks to get the account unlocked, I continued to use it and pay the balance from the same account. 

Not much time passed and Capital One again locked my account from being used for the sole reason that I was paying the balance off. Instead of constantly proving my account was mine, I decided to close that account and open another one, this time a secured credit card. The security deposit for this credit card was {$840.00}, and I paid the balance from the same account, this time using the debit card associated with that account. Not too long after paying the balance on the card, Capital One again locked the account because they wanted to verify the account I was paying from was mine. I submitted the paperwork to them, again, to prove I was the account owner, and waited two weeks for them to validate it and unlock my credit card. After two weeks of having a locked credit card against which I had submitted an {$840.00} deposit, I decided to close the credit card. I had already gone through verifying the account I was paying from was indeed mine, but apparently Capital One decided to ignore that and have me jump through meaningless hoops to be able to use the credit card again. 

The credit card was closed on XXXX XX/XX/2021, I was told XXXX XXXX XXXX, XXXX  days after the card was closed, I would be sent a check for the security deposit, less the balance on the card ( {$35.00} ). No such check has been sent to me.
Consumer complaint received 2021-11-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all accounts of XXXX XXXX and all inquiries immediately. 

IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm administrator agent pursuant to 15 usc 1602o, I'm the administrative agent I'm not the owner the social security card belongs to the social security administration I have to give it back upon request, so therefore, I'm not the owner. 

I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt. 
They never validated any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge.

15 USC 1681a ( e ) it stats you have to do personal interviews with neighbors, friends or anyone associated with the consumer which is myself '', they didn't do that!
Consumer complaint received 2021-11-29
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. (TX)

As a XXXX who just got is social security this XX/XX/2021 I was taking advantage of by some of this companies and most of them where actually more of like a deceit pulling hard enquiries where they indicated that it wont affect my credit but ended up been a hard pull and some I didnt even give my information. In such a short period of time how could I possibly have all this hard enquiries it dont even make no sense They are as follows with dates and descriptions : 1. XXXX XXXX  XX/XX/2021. Was suppose to be a soft pull to check if I prequalified and instead they ran an hard pull. 
2. XXXX XXXX XXXX XX/XX/2021. This I have no idea of I remembered shopping from XXXX on that day if that was how they got my info I dont have a clue but I didnt request nothing from them 3. XXXX XXXX XX/XX/2021. This I have no idea of in its total entirety I dont know them 4. XXXX XX/XX/2021. Yes am an XXXX shopper but I requested nothing that has to do with credit from totally disputing this too. 
5. XXXX XX/XX/2021. Yes I have shopped in XXXX couple of times but I never requested no credit card to warrant this please am disputing that. 
6 And last XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/2021 respectively. I did apply for a credit card from them but they never replied back either I was approved or unapproved so why would I have a double hard pull on my credit at those two separate dates thats totally unofficial as I wasnt even approved so even if there should be a hard pull from XXXX it should one out of me been sincere.
Consumer complaint received 2021-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My credit report on XXXX is showing that a credit card account was opened with Capital One Bank on XX/XX/2021 with my name added. Also Capital One Bank reported to the credit bureau that I live in XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX while my address is in XXXX XXXX XXXX 
After talking to Capital One Bank, they have indicated that they do not have any records of a credit card under my name or social security number. 
I also spoke to XXXX who informed me that will do an investigation with Capital One Bank and request to straighten the records
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO XXXX XXXXXXXX XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF UTILITY ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2022-08-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (TX)

This is the actual letter that I am sending them, I am upset that they continue to tell me that the Mortgage is behind when the mortgage assistance program was utilized so there would not be any mortgage payment in default. 

I have no A/C in this home and have to have a letter stating that the mortgage is current so that the a/c company can finance the a/c unit. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Loan XXXX I spoke with XXXX ID XXXX at Loan Care, on XX/XX/2022 in reference to the loan modification/mortgage assistance, I have a ac unit that has stopped working and in order to have it finaced, the finance company has to have a letter stating that the mortgage is current and up to date. 
I spoke with XXXX and he told me that I owed {$690.00} and the account would be current. 
In XXXX, I signed a new revision for mortgage assistance, notarized and sent back to Loan Care, which brought the note to {$780.00}, I had to file a complaint on Loan Care back then so the new amount due for the loan would reflect on the website instead of XXXX, since XX/XX/2022, I have paid the mortgage amount of {$840.00}, XX/XX/2022, {$840.00}, XX/XX/2022, {$840.00}. It should have read {$780.00} starting on XX/XX/2022. 
I asked XXXX at Loan Care, how can the loan be not current when I signed for mortgage assistance and how can the mortgage be behind, when there was mortgage assistance that paid Loan Care, XXXX could not come up with any answers, basically wanted to argue over this {$690.00} that shows that I still owe, after mortgage assistance paid the loan so it would be current. 

On the website, it reads XX/XX/2022 Next Payment Due {$780.00} Total Scheduled Payment {$100000.00} Current Principal Balance {$30000.00} Year-to-Date Total Payments XX/XX/2022 Last Payment Date {$0.00} Outstanding Late Fee Balance, Please explain how the mortgage shows paid {$30000.00}, balance is {$100000.00}. But I am still not current and up to date in payments. 
There is no Outstanding Late Balance Fee??? Reads XXXX on the Dashboard. 
Did the FHA mortgage assistance pay the Loan Care mortgage the amount of {$30000.00}, leaving the balance of loan at {$100000.00}? 

Why is payment due on XX/XX/2022, when it is already paid????? 

I want answers to these questions???? 

Send a letter to XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

While I sit here with no A/C and you have the money from the Mortgage Assistance program for the {$30000.00}, I would like some answers!!!!!!! 


Sincerely, XXXX XXXX
Consumer complaint received 2022-08-23
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. (MI)

In Accordance with the Fair Credit Reporting Act XXXX : XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX 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 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2021, SPS received a complete financial package for a loan modification review. See attached proof thereof. Today is XX/XX/2021, and the lenders has yet to respond or even acknowledge our request. We are eligible for a loan mod under the standard loan modification. The current rate on the note is XXXX  %, the market rate is lower. The lender can provide a loan modification under the standard loan mod by adjusting or deferring some of the principal and applying makert rate which is a lot lower tham XXXX %. The reason we have yet to be approve is due to sps Unfair business Practices in connection with the loan mod. As it turns out, when calculating our monthly income, sps would falsely entered no income on their computer system so that it would trigger a denial. It's the oldest trick in the world when it comes to lending practices and this action is fraudulent.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Between XXXX 2022 to XXXX XXXX 2022 someone used my card for several transactions. Including a lot of out of state and even well known scam charges such as XXXX XXXX XXXXXXXX. To a total of over {$8000.00}. I was paying a bill when I noticed this. I called and they said no problem. But later hasnt a letter saying they were billing me for all this. XXXX XXXX XXXX XXXX is a horrible credit card to have.
Consumer complaint received 2022-08-23
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00}
Consumer complaint received 2021-11-29
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. (CA)

My Credit Union, XXXX XXXX XXXX XXXX XXXX, merged with XXXX XXXX XXXX XXXX XXXX. All of my accounts/credit card/loans transferred from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX A Credit Card for XXXX XXXX still shows up on my credit report, as well as the converted credit card for XXXX XXXX. Therefore, I have XXXX credit cards showing on my credit report, whereas I only have XXXX ( with XXXX XXXX ). XXXX XXXX sent a letter to the credit agencies to take the XXXX XXXX credit card off of my credit report. I received a letter from XXXX XXXX stating that their records indicate that my accounts are only reporting once, however, I just looked at my credit reports and both accounts are there for the same card ( XXXX on XXXX XXXX  and the other on XXXX XXXX ). The issue is that I've paid off my XXXX XXXX Credit Card, but my XXXX XXXX Credit Card is showing a high balance. 

I'm in the market for a home loan and this is a problem. My home is supposed to close at the end of XXXX. 

I've tried to dispute it online, but every time I click on the link, XXXX XXXX XXXX, I get an error message and it won't let me do the dispute. I'm seeing the information, my lender is seeing the information, XXXX XXXX is saying that they are only rporting the XXXX credit card, and XXXX XXXX XXXX XXXX XXXX XXXX is out of business ( as of XX/XX/XXXX when they merged ). 

What do I do? 

Best regards, XXXX XXXX
Consumer complaint received 2022-08-23
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: Radius Global Solutions LLC (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : 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 card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 a 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.
Consumer complaint received 2021-11-29
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-11-29
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.