davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (IA)

NFORMATION & FAQS CREDIT REPORT Credit reports are key to helping you confidently protect and manage your identity. You can rest assured- reviewing your report does not negatively impact your standing or score. 
Financial institutions, employers and insurers use credit reports to gain insight into your financial profile. Because they provide a record of your present and past credit use, credit reports may determine whether or not you will be offered credit, and on what terms. Inaccurate or fraudulent account information on credit reports can result in denial of credit, higher loan and insurance rates and even rejection for employment. The Federal Trade Commission ( FTC ) has prepared A Summary of Your Rights Under the Fair Credit Reporting Act, you may also find additional information on their website www.FTC.gov/credit.

Understanding your credit score and the factors that impact it will prepare you to make the best possible decisions for your financial future. Want help reading your report? We've prepared a quick educational guide for you : How to Read, Use and Act on Your Credit Report. If you find inaccurate information on your report, you may contact one of our Credit Specialists to help dispute this information directly with the credit reporting agencies. 







XXXX UPGRADE YOUR PLAN XXXX  PURCHASE REPORT spliter Report History : XX/XX/XXXX - XXXX Print this page Download this report Three Bureau Credit Report Reference # XXXX Report Date : XX/XX/XXXX XXXX XXXX  : Credit Score / Summary / Account History / Inquiries / Creditor Contacts Personal Information Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
TransUnion XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - Former : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX IA XXXX XX/XX/XXXX - Employers XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION (CA)

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 furnish an account without my written instructions.

15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a country of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Acra Intermediate Holdings, LLC (CA)

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX
Consumer complaint received 2022-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (CA)

My spouse and I were in the process of buying a home. Someone posed as us to our escrow officer at First American Title in XXXX, California. In response, the escrow officer provided the fraudulent party with our sensitive closing documents starting on at least XX/XX/XXXX. These documents included our social security numbers and the numbers of all of our bank accounts. The fraudulent party then used these documents to pose as our escrow officer with us from XX/XX/XXXX onward. The fraudulent party sent us wire instructions for our downpayment on First American Title letterhead with information for a fraudulent bank account with XXXX XXXX. On XX/XX/XXXX we wired our downpayment to what we thought First American Title 's legitimate wire transfer in the amount of {$500000.00} to an account held by the fraudulent party at XXXX XXXX. We discovered the fraud around approximately XXXX the morning of XX/XX/XXXX when the title company asked why our down payment was not received. We then quickly notified our bank, XXXX XXXX. XXXX XXXX then notified XXXX XXXX about the fraud and asked to recall the wire transfer. We were informed that XXXX XXXX shared our documentation of the fraud with XXXX XXXX and that XXXXXXXX XXXX  froze the fraudulent account. However, we have not received any notice of how much of our money remains in the account or how or when our funds may be returned to us despite several requests for information from XXXXXXXX XXXX
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

On XX/XX/2022 I put an item for sale on XXXX XXXX. An interested buyer made a plan to pick it up and wanted to prepay using Zelle. He sent me {$550.00} to pay for the item. I got an email confirming payment but did not see it in Zelle and noticed that my debit card was not up to date and was incorrect. I had only used Zelle once before so I updated the card thinking it would then go through. The email said I needed the buyer to add an extra {$500.00} to verify my account and to then follow instructions to pay the {$500.00} back. I was so uncomfortable having an extra {$500.00} and he was pushing me saying there was a time limit that I followed the instructions. I then realized there was not a payment to me in Zelle at all because I received another email from Zelle and noticed the slight difference between the email senders, on being Zelle online and the other just Zelle. I called Zelle and they do not offer any protection but reported the scam. I called my bank and I cant dispute it because I authorized it. Both places said there is nothing I can do.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Ancillary Services P has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. Section 604 A Section 2 Aslo states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX ACCOUNT NUMBER AMOUNT XXXX XXXX XXXX {$630.00} XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX I XXXX {$270.00} XXXX XXXX XXXX I XXXX {$640.00} Totals {$4200.00} EQUIFAX XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX {$490.00} XXXX XXXX XXXX XXXX {$790.00} No Name XXXX {$120.00} No Name XXXX {$640.00} No Name XXXX {$270.00} Totals {$2900.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$640.00} Totals XXXX
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an email from Capitol One that a new checking account had been opened in my name. I called Capitol One to report the fraudulent account, and they confirmed the account was under my name and social security number, but would not give me any further information because the phone number linked to the account had been changed and was not my own. They will not give me any further information regarding the account nor confirm if it was closed. A few days after making the complaint, I then received a notification of a bounced check from the account and received a debit card for the account in the mail.
Consumer complaint received 2022-04-23
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. (KY)

XX/XX/XXXX I contacted Transunion in regards to inquires that I did not give consent to or have knowledge of until reviewing my consumer report on file with Transunion. Inquiries displayed on my report are as follows ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous
Consumer complaint received 2022-04-23
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. (NC)

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX ACCOUNT NUMBER AMOUNT XXXX XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX I XXXX {$270.00} XXXX XXXX XXXX I XXXX {$640.00} Totals {$4200.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX {$490.00} XXXX XXXX XXXX XXXX {$790.00} No Name XXXX {$120.00} No Name XXXX {$640.00} No Name XXXX {$270.00} Totals {$2900.00} TRANSUNION XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$640.00} Totals XXXX
Consumer complaint received 2022-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

My loan was being held by XXXX XXXX  and was deferred by the COVID Relief legislation passed by the US Government. after 18 months, we began the process of repaying our loan, and filing the paperwork to go through the legally allowed steps to move our deferred payments to the end of our loan period. At the same time our repayments started ( XX/XX/XXXX ) and the loan modification paperwork was started, our loan was transferred to Carrington Mortgage. We paid our payments every month as they tried to transition our payments and modification paperwork, and every month when we called they told us they were still trying to get the paperwork straight. In summer of XXXX I was in an automobile accident and my car was a total loss, so I went to replace my car. At that point, I was told my credit score was so low I did not qualify for a car loan. Without time to deal with tracing why and how, I bought a beater car. in XXXX, I went to pay my mortgage with Carrington and they told me I had over {$700.00} in late fees. The representative could not tell me what they were for. They claimed it looked like they had been there since before they took over my mortgage. The credit score the car salesman had pulled up said it looked like I had a foreclosure on my credit report. I assumed it was something to do with the transfer of my loan but had not had the chance to deal with taking hours of my day to deal with contacting a labyrinth of financial bureaus while working two jobs. by the next month, we had tried to make another payment but Carrington applied our payment towards the late fees we didn't owe and told us the only way to contest the late fees was to pay them, contest my credit score with all three credit bureaus, and send a letter to a po box with my credit reports, and wait 30-60 days for a reply. Today, when we had made a partial {$80.00} payment last night and clicked " pay towards principal '' in the app, they took all back fees and payments ( totaling over {$1500.00} ) they claimed we had owed out of the bank account, and refused to believe there was an issue with the app, overdrafting our bank account. 

When I pulled my credit report last night with the three credit bureaus, I discovered that it was Carrington that had misreported my payments as late up until the beginning of summer XXXX, as much as 180 days late. This would explain the XXXX point drop in my credit score, and the {$750.00} in late fees they are claiming we owe. We have never been late with a payment with them, ever. 

Every time we have called we have gotten a different story and have been put off to a different date with a different reason.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (KS)

I received a US Bank XXXX  payroll card from my employer. I am XXXX and use a special landline service for TTY calls, closed caption. Due to my XXXX, I do not have a cell phone. US Bank is refusing access to my account without a cell phone number for verification. I have filed multiple complaints with US Bank over the phone and in writing. There has been no resolution for nearly a month. With this block, US Bank is refusing access to my funds, funds balance, the ability to set the PIN number, refusal to withdraw funds, refusal to allow me to use the debit card, and so forth.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion havent reported or updated my XXXX XXXX account. Ive reached out to Transunion but issue hasnt been resolved. My next step will be legal actions, Im trying to get mortgage for my family and these updates are a major part of my credit. XXXX XXXXXXXX has reported my new balance and updated card usage Im Just waiting for Transunion to update.
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Acr XXXX Account # 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 an 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.
Consumer complaint received 2022-04-23
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. (NY)

In accordance with the Fair Credit Reporting Acr XXXX Account # 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 an 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.
Consumer complaint received 2021-09-21
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. (AZ)

I have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX  2. XXXX XXXX 3 XXXX 4. XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (GA)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A CABLE SERVICE ACCOUNT IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA & # XXXX 's. ON XX/XX/2021 I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USUSAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VILOATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND XXXX XXXX XXXX FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (CA)

Call from XXXX ( XXXX ) XXXX on XX/XX/22 at XXXX AM Transcript : Hi this is XXXX with ASG your account is currently active with our office and it appears there's been an address change essentially stopping the clock here so I just wanted to reach out as a courtesy to see if you would like to handle this before further action is required to please go to our website where you can do your payment options to handle this and you will receive your payment full letter as soon as your payment clears if you need assistance of any kind chat agents are available to help you our website address is asgrecoveries.com that is asg recoveries.com I a.m. legally required to inform you this communication is from a debt collector thank you I have no unpaid debt.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (OH)

THE CREDIT AGENCIES FRAUDULENTLY CLAIMED TO HAVE VERIFIED INFORMATION THAT WAS NOT FURNISHED TO THEM AND THEY CONTINUOUSLY REPORT THIS INACCURATE INFORMATION ON MY CREDIT REPORT. 
15 USC 1666 ( B ) 15 USC 1681 ( B ) 15 USC 1681 ( A ) ( E ) 15 USC 1681C ( A ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THE CREDIT AGENCIES FRAUDULENTLY CLAIMED TO HAVE VERIFIED INFORMATION THAT WAS NOT FURNISHED TO THEM AND THEY CONTINUOUSLY REPORT THIS INACCURATE INFORMATION ON MY CREDIT REPORT. 
15 USC 1666 ( B ) 15 USC 1681 ( B ) 15 USC 1681 ( A ) ( E ) 15 USC 1681C ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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. (FL)

HARD INQUIRIES CREDIT XXXX XXXX XXXX - DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX  - DATE XX/XX/XXXX XXXX  - DATE XX/XX/XXXX XXXX XXXX XXXX XXXX - DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - ALL INQUIRIES
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act Account # 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. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2022
Consumer complaint received 2022-04-23
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. (MD)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-04-23
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX.