davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-04-03
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)

Hard inquiries by these companies. 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 2022-03-11
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. (AL)

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
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

during the pandemic nothing is open. i submitted my homeowners property tax ( HTC ) credit application during XXXX. i never received my tax bill with all the mail issues. when i checked up on it i was told i received {$2300.00} credit toward my property tax which is escrowed for. i immediately contacted PHH to discuss how this is handled since my payment never reduced. no one can answer me. my mortgage was originally with ocwen and they handled the htc seamlessly. phh is a subsidiary of ocwen so i figured they knew how to do this too. they are quick to " advance '' money ( loans that extend my mortgage balance ) but have no idea how to apply a tax credit. " XXXX code XXXX '' continues to call me and let me know that they are working on it. this is not good enough. i am low income during a pandemic, small business with ALOT OF MONETARY ISSUES AT THIS TIME. this credit would have benefitted my family when it was awarded in XXXX. i have already filed my property tax credit application for this year. i have demanded that an escrow specialist contact me to discuss how phh handles this but XXXX is the only one that calls. I DEMAND TO KNOW WHERE MY MONEY IS AND HOW THEY INTEND TO HANDLE THIS. here i sit with an XXXX year old dependent living with me, self employed in a pandemic situation. even my federal refund has not been received. i need help and i need it now. 2 docs attached - tax record from XXXX county maryland outlining my credit and the email i sent with the same attachment to phh dated XX/XX/2021 because i got tired of calling and decided to document this. please help
Consumer complaint received 2021-01-21
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. (FL)

I checked my credit report to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. Please investigate and remove these accounts from my credit report. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-12-07
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: CITIBANK, N.A. (FL)

On or around XX/XX/2020, I discovered numerous accounts on my credit reports, that were not opened by me. As a result of this theft, I have suffered irreperable harm, my credit score has been significantly affected, and the time that this has taken to remedy this damage has been unconscionable. 
I contacted the company CBNA, directly, a-prising them that they have mistakenly reporting adverse information on my report as I am not the person/individual that requested services, nor have I obtained any goods of any sort. 
As required by the FCRA, I subsequently mailed CBNA numerous documents, which included multiple police reports, affidivats, FTC reports and proof of my identity, letting them know this account was fraudulent.

They have continued to report this account on my credit report and in fact have negligently verified the validity of this account with XXXX  Credit reporting agency. I have asked that this account be remove from my report as a result. I have repeatedly asked for validation of this debt and the application that was signed requesting that this account be open. To date, they have sent me nothing, however, CBNA, continues to report this account as a charge off account. Further, negligent enablement of identity theft by false reporting, libel as well as continued false validation of this erroneous accounts violates many of my civil rights in accordance with FCRA rules. 
DOCUMENTS MAILED TO THIS COMPANY ARE AVAILABLE UPON REQUEST. DOCUMENTS HAVE BEEN MAILED 12 times since XX/XX/2020 2020
Consumer complaint received 2022-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I brought a home from a builder and he would not approve me for the home, so he sends me to one of his preferred lenders and they approved me for the home after they tacks on about {$2000.00} more dollar of the originally price but quickly sold my loan to another mortgage company Mr. Cooper the next month. I had been in the hone almost 8 months when they said I paid too much money in my escrow so they did a risk analysis and refund me almost {$2800.00} and the next month I got a bill for {$4000.00} ( MUD ) and {$6500.00} ( taxes ), they said I had a {$11000.00} shortage and the money already in my escrow they are saying I can't use it toward my shortage. I am short because they didn't do their job finding out how much taxes I owe my house for this year before they refunded me the majority of the money back that was in the escrow. I have given them over {$7500.00} and the {$3100.00} in my escrow account they are saying I can't use that money toward my shortage, but they are paying my FHA and my Hazzard Insurance, but I can't use that money toward my taxes. they did another risk analysis, and my new mortgage payment is {$2600.00} if I don't pay the shortage. If I do pay the shortage my new mortgage will be {$1400.00}. The first year i was {$1200.00} and that when they said i was paying to much and refund me the {$2800.00} and drop my mortgage to {$910.00} and a month later, I find out I owe {$4000.00} ( MUD ) & {$6500.00} ( taxes ) and if I don't pay the shortage my mortgage will be {$2600.00} for XXXX XXXX I have sent them {$7500.00}, and right now I have {$8800.00} in my escrow, but they have paid out {$930.00} for my hazard insurance and {$92.00} for FHA in XXXX and XXXX so they are still using money out of my account, but they said I have to pay the whole shortage of {$11000.00} and i still owe {$3700.00}. After I did the math, I calculate I owe {$2800.00}. but they paid my hazard insurance and the FHA and i still have to make up the money they spend, they are not willing to deduct that form the shortage and I can't use the money in my escrow to pay the shortage when i am putting money in my escrow to make up the shortage. What they are saying is not matching up to what they are doing. How can that be. I shouldn't even be paying FHA because I put {$200000.00} down on a {$340000.00} house. they charge me an extra {$200.00} for going FHA the previous lender so I only finance {$140000.00}. I put all my money into the house, and they are trying to steal my house from me or make it difficult for me to afford it.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt is mine and In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2021-07-20
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. (PA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2022, I opened a credit card with USAA. After a hard hit on my credit report, I was approved for a {$24000.00} credit line. On XX/XX/2022, I received and activated my card. Then I proceeded to do a {$5000.00} balance transfer from another bank to my new USAA credit card. I was not able to do the transfer after multiple attempts. I then called USAA Credit Card Department. The representative tried to do the transfer for me and received the same message of " unsuccessful ''. It was suggested that too many attempts had been made. I needed to wait XXXX hours to attempt it again. On XX/XX/XXXX I attempted the transfer again. Once again it was unsuccessful. I then called USAA and they were not able to help me. I waited a few days and failed again. So, I reached out to another rep XXXX XXXX in XXXX XXXX, Texas and she was not able to figure the problem out. I was referred to their Executive Resolution Dept and they could not figure it out. They referred me to their Fraud Department as to which they couldn't figure it out as well. So, after XXXX failed attempts, I closed the card. On XX/XX/XXXX, I reapplied for another credit card and another hard hit against my credit. This time the line of credit dropped to {$4500.00} and not one representative could explain. I was then referred to their CEO Department Relations and spoke with XXXX XXXX. The representative indicated that the drop was probably due to the first hard hit against my credit report and that probably was the reason for the credit line drop on XX/XX/XXXX even though it is USAA 's hard hit. They are having internal issues with their computer system and not one person at USAA can tell my why their system would not do the transfer. So now, I am being penalized for their internal problem for a second hit on my credit report which all stems from USAA internal system. Not one person can help me. I have gone as far as I can for an explanation. I have my homeowners insurance and auto insurance with them. Now I am concerned about their ways to problem solve and will be removing my accounts with them. This just not make common sense and definitely not fair to their consumers
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America prepaid card holder services froze my account twice. The first time I verified my identity for both XXXX and Bank of America. They closed out my claims on my account because it was frozen then I had to wait for them to get all my identity documents and my account was unfrozen and my claims were reconsidered on the XXXX of XXXX. Come the ending of XXXX my money is still not back in my account and my account gets frozen again. And I have already verified myself with ID.Me for XXXX and Bank of America. They are still not unfreezing my account.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

On XX/XX/2021, I received an email stating my Citibank account was blocked due to " unusual account activity ''. Immediately, I called their Fraud Prevention Department XXXX XXXX option XXXX ). According to Citibank, my account was blocked due to inconsistent customer address and check address. 

My wife and I had recently moved from XXXX to XXXX after she accepted a XXXX  position in a hospital near XXXX. Hence, her payroll check showed a new address in XXXX  and not our original address in XXXX. We had not updated our address to XXXX  before depositing this payroll check. 

In order to unlock my account, Citibank asked me to mail in my address verification documents to an address in XXXX  ( Account Name, Account #, my rental agreement and utility bill were sent to Deposit Risk / XXXX, XXXX XXXX  XXXX XXXX XXXX TX XXXX ). Documents were mailed because there are no Citibank branches in XXXX. 

On the same day, I mailed my documents via USPS and later called Citibank in the following days to follow-up. Citibank claims they never received it. Since I did not have a tracking #, I went to XXXX on XX/XX/2021 and mailed another set of documents to the same address as above. The second set of documents were delivered by XXXX the next day on XX/XX/2021 ( can be verified on XXXX website ). 

Since the delivery, I have called 3 times to follow-up XXXX XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX. Citibank still claims to have not received my documents. 

- Citibank has refused to escalate my case. 
- Citibank has refused to assign a designated person to my case. 
- Citibank has refused to receive my documents via email even though the documents I sent in the mail are not original documents ( rental agreement and utility bill are scanned documents ).

- Citibank could have easily verified my wife is a XXXX XXXX with the state of XXXX, and easily understood that receiving a payroll check from a local hospital is reasonable. THIS IS NOT FRAUD. 
- Citibank has withheld my money for over 1 month and has not offered any additional assistance.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been unable to access my online account for my XXXX XXXX XXXX Rewards Card since mid-XXXX. i can not make payments or view an up-to-date balance. I have been told that others are having my issue and that I just need to wait since the beginning of XXXX. My understanding is that XXXX forwarded a report on XX/XX/XXXX designating me as a late payment after being told that 1 ) any late fee or interest would be waived by multiple parties ; 2 ) that I would be able to access my account in order to make sure I was paying for what I should be paying for. 

The company called me at work today before putting me on hold about a late payment. Nothing has allowed me to get online and pay my account, and I am told that late fees ( that they waived ) have been reported to Transunion. I have been told that it is automatically reported and that there is no one to speak to about correcting the result of an error on their end. Additionally, I am told that there are no supervisors to speak with after the person on the call speaks to a supervisor and that they are unable to do anything for me about my online access other than just wait. I am told that I can make payments over the phone but have no way of making sure my information is current and correct before making a payment, something which is impossible based on conflicting and confusing information given me over hours of speaking to various customer representatives.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are accounts on my credit report that I did not consent to, I have mailed out dispute letters to resolve them with the credit bureuas directly however I am not getting the urgency needed to get these accounts removed. In my industry I have to ensure a positive report otherwise I could potentially face termination! I will not condone this much longer and will seek legal counsel if this matter isnt resolved within the legal time frame noted in FCRA. I do not believe things like this should even happen to people literally just trying to live a simple life and maintain a credible reputation!
Consumer complaint received 2022-04-27
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. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Prior to reporting a delinquent consumer debt to a credit reporting agency, Federal agencies are legally required to follow certain procedures and minimum due process requirements pursuant the 5th Amendment when reporting delinquent consumer debts to credit reporting agencies. 


The Treasury has provided invalid credit information to the credit reporting Bureau without providing minimum due process to review the case and complete the administrative hearing as requested within the 30 day XX/XX/2020 deadline to respond within the notice dated XX/XX/2020. 

The agency can not prove the debt is valid, has not provided me any opportunity to review the debt nor can the agency even prove that the debt is overdue, and has not completed any investigation and provided any opportunity to rebut even an initial decision as no findings have been made. 


Once all minimum due processes and procedures have been observed within the XX/XX/XXXXXX/XX/XXXXprogram, ie the administrative hearing and the right to review and respond, only then can the accused be provided a 60 days notice to respond. The agency can not show that it sent any notice prior to XX/XX/2020 that provided a mandatory 60 days notice of intent to report for which to respond and prevent derogatory information from my credit file all under 31 USC 3711 because the file is still pending administrative hearing and review of the validity of the debt. 




Reporting debts owed to the United States to consumer reporting agencies is governed by the XXXX and the XXXX as codified at 31 U.S.C. 3711 ( e ). Obligations of consumer reporting agencies and state and local government agencies to investigate disputes under the Fair Credit Reporting Act ( FCRA ) arise independently of 3711 ( e ). Because the federal agency can not ( 1 ) complete an investigation to provide evidence that a hearing with a required initial hearing reconsideration has taken place as well as ( 2 ) prove that the debt is even valid due to the absence of any evidence as requested on XX/XX/2020, the reporting bureuas are required by the FCRA to delete the information from the credit file.