davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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 accounts listed below still remain on my credit report in violation of Federal Law. 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 ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$400.00} XXXX XXXX {$11000.00} XXXX {$910.00} XXXX XXXX {$3700.00}
Consumer complaint received 2022-06-13
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. (LA)

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  XXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX a purchase of a leather loveseat and bench was charged on my Macy 's credit card with an additional fee for furniture protection of {$240.00}. 
This was a Great Giveback certification program. If there were no claims within 7 years, I was eligible to receive a store credit certificate valued at the original LIMITED Product Protection Plan price ( {$240.00} ). 
We received a confirmation of our application on XX/XX/XXXX. 
We never received the Macy 's giveback certificate. 
We called the phone number we were given many times and either I left a message, or they never answered the phone call.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was a victim of predatory lending practices by 5/3 bank. I was rushed to sign a waiver of my Homestead rights at a closing. My ex-husband was their borrower. I was the co-owner. After signing the Deed their closer and mortgage broker slipped a signature paper to sign. That paper had in small print that I am waiving my Homestead rights. I was rushed into signing that page without disclosure or explanation. I believe the whole mortgage was a mortgage scheme by this bank, they made me sign this in attempt for a speedy foreclosure if it gets to that point. 5/3 bank had took advantage of my disability and they sure discriminated against a XXXX person.
Consumer complaint received 2022-06-22
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. (GA)

I have unauthorized inquiries on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-09-22
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. (PA)

I submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

XXXX - Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$330.00} XXXX XXXX {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} Transunion - Inquiries : XXXX XXXX XX/XX/XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts : XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX  {$650.00} XXXX  XXXX  {$1000.00} XXXX - Accounts : XXXX  XXXX  {$650.00}
Consumer complaint received 2021-09-23
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: OneMain Finance Corporation (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE FOLLOWING INFORMATION ATTACHED IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NE)

I switched from a monthly payor to a semi monthly payor. They have continued to draft payments and they are denying this. I contacted my banks fraud department ( XXXX XXXX XXXX XXXX ) and they said the payments are clearly being made to Newrez Shellpoint Mortgage Company. They are on my bank statement which I have sent to Shellpoint numerous times. They deny this as well. 
I can't get them to fix this problem and they continue to harrass me instead of realizing they are at fault and I have continued to make payments but they are obviously applying them to the wrong loan.My next step is to get an attorney involved. 
This is the second attempt at a complian. The last one you closed because Shellpoint replied with all lies.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Bankruptcy Account Number : XXXX Inquiry XXXX
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-13
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: Williams, Rush & Associates, LLC (TX)

Im 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 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-11-03
Product: Credit reporting 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)

Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Pursuant to 18 USC 1341 Frauds and Swindles, Pursuant to 18 USC 894 Collection of extensions of credit by extortionate means. 15 USC 6802, 15 USC 1692 ( F ) And completing a UCC 11 debtors search only to find I have no debt or liens in my name. 
XXXX, XXXX and XXXX  Have collected my non public information without my expressed written consent for them to publish, present or post my transactions and experiences such as but not limited to : inaccurate addresses, collections, hard and soft inquiries, inaccurate names and phone numbers and misrepresentation of a credit sale ( XXXX  XXXX XXXX XXXX XXXX ) labeled as an Auto Loan for loan type. The malicious and fraudulent activity has slandered my creditworthiness and deemed me a high risk consumer drastically lowering my score. I have reached out to the XXXX Credit Reporting Agencies and have had little to no success with them adhering to legislation that protects my consumers rights. These are just a few of the violations that have taken place and are still ongoing.
Consumer complaint received 2022-06-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

On XX/XX/2022, I informed XXXX XXXX of Rocket Mortgage that I did not want to go through with the VA Cash-out Refinance mortgage loan because I needed to look at all my options. 
I did not like the idea of paying a {$500.00} fee and he was rushing me to sign the loan estimate and other documents. 
I kept receiving many phonecalls from XXXX and another Rocket Mortgage associate. On XX/XX/2022, XXXX left a voicemail message that my mortgage refinance application is being withdrawn. 
At the time I was going through a family emergency. My thoughts were not on anything else but my family. 
Yet, I continued to receive calls and/or emails from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and other Rocket Mortgage associates. I informed them of the family emergency and that I will not be opening a new application. 
I also informed the Rocket Mortgage representatives to remove me from their call list and database. Yet, they keep contacting me ( to include this XX/XX/XXXX morning ). This is harassment. 
On, XX/XX/2022, I noticed an unauthorized credit card transaction for {$50.00} from Rocket Mortgage. I find this behavior highly criminal and disgusting. I did not follow through with XXXX on this mortgage application/loan estimate/loan disclosures nor did I open a new application with Rocket Mortgage. I'm a 21-plus years Honorably XXXX and XXXX XXXX military veteran. I'm highly shocked and offended by Rocket Mortgage 's aggressive and unethical actions towards me. You all have triggered my military-incurred ailments! You all showed no respect or concern for me and my family emergency. I'm unemployable due to my military-incurred ailments. I live on a fixed income. To steal money from anyone is wrong. To steal money from an unemployed and permanently XXXX military veteran because I decided not to be rushed to sign documents and not go through the application is wrong. Rocket Mortgage has a problem with their moral compass and it needs to be fixed! I want my money returned immediately and I want you all to cease with your harassing phone calls/emails.
Consumer complaint received 2022-06-13
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. (LA)

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX placed an inquiry on my credit report on XX/XX/2021 without my consent. 

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 inquiry without my written instructions.
Consumer complaint received 2022-06-13
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  XXXX  XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-13
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. (LA)

XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction
Consumer complaint received 2022-06-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

It shows on my Equifax report that for the month of XXXX and XXXX of 2022, I have late payments for my Attorney General Child Support Account ending in XXXX. I have made the payment faithful to the point its garnished from my work wages. I have disputed it multiple times. Please see attached
Consumer complaint received 2022-06-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2020-04-28
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. (AR)

PER CFPB COMPLIANT NO.XXXX, XXXX UPDATED ALL BUREAUS WITH A BALANCE {$43000.00} S/B {$4100.00} for account no.XXXX. they are aware of this problem as I talked with them on the phone a few days ago!
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

Our business has been a long time Citi account holder and always paid our balance in full using autopay. In XXXX 2022 we stopped autopay and attempted to make partial payments online at the Citi site and got an error. Upon calling customer service and tech support, our issue was logged and we were told we would be contacted with additional steps or resolution for the error. Since then, I have called several times, filed a complaint with the XXXX XXXX XXXX XXXX ref XXXX ), sent secure messages on the Citi site and still we have no access to make partial or full payments online. We are extremely frustrated that this issue can not be resolved so that we can make partial payments on our own without the need for the auto pay setting on our account. I keep getting a lot of excuses from Citi and no resolution. No one person or department at Citi will take responsibility for this and each time I am contacted it is like starting all over so no consistency in action or building of action by Citi. I was even contacted on my personal cell phone and personal email about my personal Citi account rather than my business account and contact information, so clearly there is also a major issue with clear and proper communication to address a complaint at Citi. 

At this point Citi is falsely advertising the ability customers to pay in full or partial payments using the Citi website. We only have the option for autopay or phone in a payment. I can not believe all business trying to pay online with Citi are experiencing this issue. We have already tried multiple browsers as well as mobile access and still get the same error when attempting payments. We have removed and restored banking information and that too is not working. The specific error we are getting is " General Error, We've had a problem processing your request. '' It doesn't matter the amount entered, the same result happens. 

Citi closed the XXXX  complaint without fixing the problem so I now bring this to the CFPB 's attention that Citi has been notified of the payment issue for over 5 months and refuses to either remove the option for customer pay on its site or fix the issue. We have been forced to return to autopay to keep our credit and account in good standing.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I am contacting you as a victim of identity theft resulting from a recent data breach that compromised my personal information. Due to this incident, several fraudulent accounts were opened in my name without my consent. I am invoking my rights under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to request that these fraudulent accounts be blocked and permanently deleted from my credit report. 
Please find below a list of the fraudulent accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$340.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$830.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXX XXXX XXXX. - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00}