davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-19
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. (NV)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the accounts are still reporting.
Consumer complaint received 2022-10-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (PA)

In XXXX I cosigned with my daughter House and when we closed a mistake was made. According to the recorder of deeds in XXXX XXXX there was two parcels one parcel was the garage only and the other parcel was the house. At our closing we were given the garage deed only and we signed that one. Due to medical issues with my daughter she was no longer able to pay the mortgage. I tried to sell the house three times The very last time I was told about a problem with the title. I started contacting the bank that held our mortgage XXXX and Loancare to tell them there was a problem I even spoke to a manager about it. And I advised them if they were going to foreclose on The property only the garage was in our name. They started for closure in XXXX they sent a preservation company up that started working on issues in the house and at that time no one shouldve been in the house. I have been in constant contact with them they have charged {$8000.00} in fees and the house did go under contract in XXXX of this year even then no one should have been on the property. The property was still deeded to the original owners not us and not Loancare they were very well aware of it I made multiple phone calls. The house was sold and closed on XX/XX/XXXX and on that day we got the deed fixed just one week before that closing. I have multiple emails asking that they adjust the fees due to the fact they didnt have a valid title to the property to the house. I had to put out {$2700.00} of my own money to close the house and they said that they would look into reimbursing me that much I didnt even get that. I have made formal complaint through Loancare through their legal department as well. Like I said I have multiple emails and pictures of work that was charged and not done right the preservation company charge over {$3000.00} alone. I feel that the feed the foreclosure fees should never have been to anyone because I have a problem with why they would for close on a house that did not belong to them or to us. I have plenty of documentation if you need that but I want to go ahead and file this complaint against Loancare LLC thank you
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (GA)

In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. I was affected by this breach when someone used my information in XXXX. Equifax created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. 

I wrote Equifax about the following fraudulent account : XXXX XXXX XXXX I have proved this account information as fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted the credit union and told them it is a fraudulent account. 

This debt is not mine. This egregious stain on my credit file prevents me from obtaining future student loans. I urge them to remove this item immediately before I am forced to take legal action. 

They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. 

However, they are not concerned about lawsuits. They are getting paid more money by this credit card company when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. 

While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB to step up and force Equifax to do the right thing. 

I look forward to an uneventful resolution of this matter.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I made a transfer request for {$15000.00} from my Webster Bank/XXXX XXXX savings to my XXXX XXXX  XXXX XXXX XX/XX/XXXX, after verifying XXXX XXXX  deposits made to my XXXX account. On XX/XX/XXXX I received a message that the transfer was blocked by security and they requested a copy of my DL and bank statement, even though I had already verified my account per policy. I sent a copy of my DL and bank information the same day. They then asked for additional documents on XX/XX/XXXX. I sent them the same day. On XX/XX/XXXX, the {$15000.00} transfer was debited from my account. Today is XX/XX/XXXX and the funds are still not in my XXXX account. I called and spoke to customer service on XX/XX/XXXX after waiting more than an hour, and the rep indicated the transfer request was approved and the funds should be showing up within a couple business days. The funds are still not in my XXXX account. I called again today XX/XX/XXXX and the hold times were over XXXX hr XXXX mins. I have spent XXXX hours on the phone attempting to get this resolved. I finally was able to get in touch with another representative, who informed me that " the documentation you sent in is still under review '', however the funds were already debited from my savings on XX/XX/XXXX. After being placed on hold for over XXXX mins, the rep disconnected my call and I was transferred to a survey. My funds are still in limbo and I have yet to see them deposited to my XXXX account. This is in violation with the Federal Funds availability act, Reg CC. I am not earning interest on my funds because they have now been debited from my account, however Webster Bank has still not sent them to my bank for deposit, 11 days after my request.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, I am writing to file a formal complaint against Equifax Information Services LLC regarding their refusal to provide my credit report despite my compliance with their verification process. This issue has caused significant delays in my ability to secure necessary funding for my business, which has resulted in financial harm.

Background : On [ Date ], I requested a copy of my credit report from Equifax. To verify my identity, I provided my Social Security number and a copy of my government-issued ID, as requested. I submitted these documents via mail to the address provided by Equifax. 

Subsequently, I was informed that my documents were " not legible, '' and despite this, Equifax continued to process my request and provided me with a report up until XX/XX/2024. However, as of XX/XX/2024, I have still not received the complete credit report or my credit score, which is crucial for securing funding for my business. 

Issues : Failure to Provide Credit Report : Despite fulfilling all verification requirements, Equifax has not provided the requested credit report, hindering my ability to obtain necessary funding. 

Legibility Issues : Equifax claims my documents were not legible, yet they processed my request and provided a partial report. This inconsistency raises concerns about their handling of my sensitive information. 

Data Security Concerns : Given Equifaxs known history of data breaches, I am deeply concerned about the security and handling of my personal documents. I suspect that my documents may have been mishandled or misprocessed, further contributing to the delay.

Request : I am requesting immediate action to resolve this issue. Equifax must provide my complete credit report and score without further delay. Additionally, I ask that the CFPB investigate Equifaxs practices regarding the handling of consumer data and document processing.

If this issue is not resolved promptly, I intend to pursue legal action against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), which has resulted in financial harm to my business. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been making effort after effort to try and access my dispute but I am unable to. I made efforts to call and I do not get the option to speak to someone.
Consumer complaint received 2022-10-18
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: HYUNDAI CAPITAL AMERICA (GA)

Hyundai Motor Finance discriminated against me because I am an XXXX American woman. They falsely reported my car payments to the credit bureaus as being in default and their illegal repossession of the vehicle after all my payments were current! I no longer wanted to do business with this scamming company and I paid off the loan and cut ties to them! Since XXXX they began reporting false negative payment history on my credit reports! I have disputed this and to no avail nothing gas changed! Hyundai with their ongoing discrimination and targeting XXXX American customers reported to credit bureaus fss as law information they even reported I took my lisn through Kia Motor Finance to cover up their discrimination towards me and to ruin my credit! To this date I am unable to get a place to live because of XXXX false information! The credit bureaus refused to remove this false information off my credit report! I never signed any loan documents for XXXX XXXX XXXX! XXXX did this to cover up their fraud and discrimination and not posting my payments on my account in an accurate way. I am facing homelessness due to Hyundai Motor Finance ruining my credit! I do not owe them I paid off the loan in XXXX and sold the car in XXXX! I need help to get compensated for what Hyundai Motor predatory lenders did to me! I was charged a higher interest rate because I am XXXX American and they mishandling of my account plus their false information to the credit bureaus that I took a loan out under Kia Motor Finance to cover up their discrimination and fraud! Please fine them all in lithe Credit bureaus. Thank you
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

In XXXX of XXXX we took out a mortgage with Quicken Loans Rocket Mortgage. We paid 25 % so we did not pay PMI and we could pay our property tax and insurance on our own. During Hurricane Irma XXXX  my house and the fence around our swimming pool were damaged. The property tax increased and was in process of payment when to our surprise our mortgage lender sent us a notice that the {$1300.00} a month payment would no longer be accepted and we must pay {$25000.00} immediately to cover their forced placed insurance and taxes in advanced for the next two years even though our insurance was paid on time every month it now was to be replaced by a much more expensive policy and prepaid for 2 years because the property tax was late. This caused us to force see our recently purchased house at a significant lose and caused a major impact to our credit report because lender would not accept our payment unless we paid all of the prepaid insurance and taxes. Now our credit report reflects late payments and we can not be approved for a new loan even though we were never late with our mortgage or insurance.
Consumer complaint received 2022-09-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe
you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Consumer complaint received 2022-09-18
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)

on XX/XX/XXXX I wrote to Experian regarding 5 accounts that they are reporting inaccurate information on. They did not respond nor did they conduct an investigation. I followed up with another letter on XX/XX/XXXX, and they still have not corrected these 5 accounts or started an investigation.

All 5 accounts have an inaccurate payment status which is an FCRA Violation. 

Ive included the 2 previous letters and a copy of all 5 accounts with the errors highlighted
Consumer complaint received 2023-03-19
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. (IL)

I have opened an investigation several times with this company in regards to them reporting my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECTLY. 

This account is '' Paid As Agreed/Never Late '' They have refused to update the " Current Payment Status '' which is incorrectly reports as 30-59 Days late. 

I have opened 4 disputes with them since XXXX and they still have not correctly reported my account. 

I have a letter from my creditor backing up my claim that states that they have requested that all 3 Credit bureaus update any delinquencies reported between XX/XX/XXXX an XX/XX/XXXX. 

This account was closed in XX/XX/XXXX, just fyi so it should not be reporting anything past that date. 


Their reporting is completely inaccurate.

1. It shows that I have made 100 % of my payments on time, which is correct but... 

A ) They are showing that I am 30-59 days past due and... 

B ) They are showing that my " Worst Payment Status is " Current '' This is just ridiculous and they simply refuse to update my credit report even with a letter from my creditor. 

Please see attached proof.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (LA)

On XX/XX/2022, I went to XXXX XXXX XXXX  and spoke to an employee about freezing my membership due to me starting XXXX XXXX and would not have time to come to gym. The employee stated there was a 3 month or 6 month option, which I chose 6 month freeze and employee told me manager was not present but that they were putting a note in computer and note for manager to handle situation. A few weeks later I start receiving calls about my account. I then spoke to employees on the phone 3 separate times attempting to once again freeze my account like I was told was getting done the first time and apparently it never did. 3 times over the phone I was told that it was handled, after I had done the freeze in person which was unsuccessful due to employees for whatever reason. I then receive a letter in the mail stating I now owe money due to lack of payments for my account which I was told by staff situation was handled 4 different times and clearly it was not. Once I received my debt collection letter I called XXXX XXXX to ask them why this is occurring. They stated they see notes in the computer where I went up there AND called and spoke to employees to freeze my account, stated they did not know why it was not successful, but now that they have turned me over to collections there is nothing they can do and I have to handle it with collection company. Which is completely unacceptable that they directly have proof in their computer than I requested this freeze multiple times and they never completed business on their end which is now causing me to have a debt collection due. I called collection company and employee was horrible and very unhelpful and said there is nothing he can do because XXXX XXXX said I owe the money. So I basically have both companies telling me there is nothing they can do, when there is no reason why I should owe this business any money. I never attended that gym after XX/XX/XXXX when I entered the building and requested an account freeze and was told it was complete and they would see my again in 6 months when freeze was over. I do not owe this company money and somebody needs to fix this situation.