davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (VA)

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 Experian 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. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (CA)

I have submitted dispute to you and I didnt get a response with in 30 days and youll are required by law to do so please investigate my dispute, please. Thank you
Consumer complaint received 2021-12-03
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of XXXX XXXX. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/2021
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (CA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Liberty Capital Services LLC (OH)

We reached out to XXXX XXXX, a lender from Liberty Capital Services , LLC, for a loan application to purchase a house. During the communication and email exchange, we shared the information about the address, what type of house we are buying ( a duplex ), etc. He sent us the Closing Disclosed Estimates with 0.403 % of loan amount ( points ) origination charges. We used this number for the whole working process. Two or three days before our initially scheduled closing date, he sent us the formal Closing Disclosure document, and the point increased to 1.403 % of loan amounts, which means at least another {$2400.00} cost from our end. We reached out to him, trying to figure out why. And he said the reason for the difference in the points is his " mistake. '' He put the number wrong. And he wants us to sign the new closing disclosure soon. We refused to sign it. This explanation won't help us accept and let us pay an extra {$2400.00}. We also realized in some states, according to XXXX, it is illegal to increase the lenders fees ( i.e., origination charges ) between documents. 

His behavior is like a scam. So we emailed him respectfully, saying this is unacceptable to inform us a few days before closing that we need to pay extra thousands of dollars because of his mistake. We shared all the information appropriately for the loan application, and he couldn't just change the lender fees because of a " mistake. '' And we also mentioned in the email we would like to have a solution from them. 

Then, one day later, he sent us a really rude, disrespectful email claiming that even this is his fault, he strongly believes we should choose him and accept what happened and continues the closing anyway. He also threatened us in the email that we should think about how much mess and issues may arise with the seller if we cancel the closing now. This email made us feel really hurt and uncomfortable. He didn't apologize for how much inconvenience may be caused because of his fault and how the extra cost may be an extra burden. His behavior also feels like a scam to us. We feel fooled by him and his company. 

We already spend more than {$1000.00} on the closing, with almost {$800.00} for appraisal and {$400.00} for inspection. Now we are in a dilemma : continue closing with him but actually feel fooled, scammed, and disrespected, and need to pay an extra {$2400.00} ; we're unwilling to continue working with someone disrespectful and rude. If not continue closing, we waste more than {$1000.00} and lose our chance to buy the house we want because the seller may not be willing to wait for another 1-2 months. 

We believe this is misconduct of the lender and his company. And we want a better solution to make us feel we are treated fairly and honestly.
Consumer complaint received 2022-08-01
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. (FL)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$580.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$15000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX : {$110.00}
Consumer complaint received 2022-08-01
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter I sent to Bureaus on XXXX XXXX and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider responsible for this ISSUE. 
The items listed below need to remove from my file : XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/202XXXX XXXX
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

We bought our home in XXXX of XXXX. The loan servicer for both the primary loan and the HELOC was Flagstar Bank. On XX/XX/XXXX, I received a letter from Flagstar that our mortgage was being sold to XXXX XXXX ( XXXX XXXX ), effective XXXX XXXX XXXX The letter further stated that all ACH/auto-debit payments would be canceled after XX/XX/XXXX. Per the terms of the goodbye letter, I set up payment arrangements with XXXXXXXX XXXX  and made my XXXX mortgage payment. I later discovered that Flagstar debited my bank account on XX/XX/XXXX for this mortgage they no longer owned ( a fact not discovered until after I set up my XXXX XXXX payments and nearly caused my account to overdraw ). Several people I spoke to at the bank, including XXXX XXXX in the Office of the President admitted that they made a back office mistake. However, instead of refunding the money back to my bank account they instead, without my permission, wired the money they illegally took to XXXX XXXX, causing me to double pay my XXXX mortgage payment. When confronted with this, they told me that I had to be the one to try and get a refund from XXXX. I pointed out to them that I did not authorize this payment or sending it onward and that furthermore, it was not my responsibility to fix an error that they themselves admit to having made. I was basically told " Too bad. The money is gone '' and that they would not assist me further.
Consumer complaint received 2022-08-01
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE FOLLOWING ITEMS COMPLETELY FROM 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

I purchased my first home in XX/XX/XXXX. My loan was sold to Suntrust now Truist in XX/XX/XXXX. Since our mortgage was sold to Suntrust, they have been collecting too much escrow from us ( they say we owe more property tax than we do, even though that amount is set more than a year in advance and published online for us and them and the local government to see ). When they first paid our biannual property tax ( XX/XX/XXXX ), they acknowledged this and sent us a {$220.00} credit. I didnt mind so much because I figured Id be getting that amount every six months due to overcollection. The second biannual property tax payment comes around ( XX/XX/XXXX ), they not only dont send us the credit, they increased our monthly payment claiming that we will owe more property tax in XXXX so they will need to keep that credit plus collect more. Meanwhile, our property tax is staying flat in XXXX, which they well know and can see publicly online. So they are now holding our money XXXX from us. I appealed the escrow amount in XX/XX/XXXX. They researched my appeal and denied it. Finally, after realizing there was no recourse here, ( end of XXXX ) I requested they delete my escrow account altogether. I signed the necessary paperwork to delete the escrow account and sent it back XX/XX/XXXX. I have called them seven times since then, waiting on hold at least half an hour each time. No one can give me any information about where my request stands. Here is the worst part for the CFPB to consider - the escrow deletion department does not accept calls or communications from customers NOR from other XXXX departments. There is no communication allowed with that department except written notes from other suntrust departments. After my sixth call, a customer service representative raised my concern for research and said someone would contact me in XXXX hours. It has been 6 days since then and no one has contacted me. I filed a formal complaint after that, and have heard nothing. Finally, today I got an automatic notification that my escrow amount due increased AGAIN. It seems illegal that there is no recourse and no relevant department to communicate with. They are collecting far more than the necessary two months cushion and not giving me any option to get that back.
Consumer complaint received 2022-08-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

So two weeks ago I found a nets spend card in my name thought I resolved issue but another card was ordered and was in my mailbox I didnt activate but cant get information on how its being ordered and I have been having multiple issues over time with identity theft since XXXX my information license and signing student loans online with soc sec number etc bought cars etc its I closed my netspend account many years ago I have bank account so netspend XXXX XX/XX/XXXX. XXXX. XXXX XXXX is on card
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Repeated, daily calls with no voicemail left or explanation for why contact is being made. I initiated contact directly to their customer service department, providing my phone number and asking why they were contacting me. Across multiple emails, the company refused to explain why they were calling and attempted to collect personally identifying information. They sent an email claiming they had removed my number from their system and apologizing for the inconvenience. Since that email claiming they would cease contacting me, I have received subsquent calls once every XXXX days.
Consumer complaint received 2021-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been stalking, harassing, intimidating, threatening, and assaulting my family.
Consumer complaint received 2022-10-18
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, Account # XXXX and XXXX Account XXXX XXXX have violated my rights. 15 U.S.C.1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-18
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. (OH)

This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX -DEPT OF ED/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX