davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following information is inaccurate or incomplete and needs to be removed immediately : XXXXXXXX XXXX I recently seen my credit report and I have a charge of account written off 15 USC 1692k . The information was sent over to a collection agency. Also I didnt receive a 1099C form. according to the fair credit reporting at you have violated my rights with fraudulent action. In addition 18USC 1028 aggravated identity theft 15USC 1681b permissible purpose FCRA section 605b 605c and I did make a complaint with the FTC
Consumer complaint received 2022-09-26
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. (MO)

I am writing in response to the current evaluation conducted by the Credit Reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-12-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mortgage Research Center, LLC (NH)

I have major concerns with the way that Veterans United has handled the servicing of my mortgage loan. I have been very transparent and forthcoming regarding my hardship and dealing with the illness and passing of my mother and was given a song and dance by their staff about how they were willing to work with me when I got back on my feet. Unfortunately when I got back on my feet and contacted their agents to try and work towards a resolution to get caught back up I was told that there are no options and that I needed to reinstate the entire past due amount. I did not believe this information was correct and when the VA contacted me about the past due payments they told me that the bank should be working with me and allowing me access to the government programs that are available to distressed borrowers with VA loans. This has not happened. My hardship is resolved and I have had a significant change in financial circumstances but Veterans United turns a blind eye and starts the foreclosure process against me. I believe that Veterans United is engaging in unethical servicing practices.

I have worked as a XXXX XXXX XXXX XXXX for 19 years and purchased my home with a VA loan in XXXX. Later that year I got very sick from XXXX and missed a month of work, and several months later same thing happened, XXXX  XXXX and a month out of work. When that hardship happened, the bank worked with me and offered me a one year forbearance as required by the government CARES act for VA loans. Once I was back on my feet and financially sound I was offered a modification that put the past due payments back into the balance of the loan and dropped the payment {$200.00}. I made the modified payment as agreed for several months. Then my mothers XXXXXXXX XXXX XXXX became dramatically worse, she was hospitalized multiple times for XXXX XXXX XXXX XXXXXXXX  XXXX etc. I was my Moms primary caregiver and had to miss a lot of time from work between late XX/XX/XXXX through XXXX when she passed away. It was a mess, my income dropped about 60 % during that time because I had to help take care of her, then put her in hospice and ended up having to help pay the funeral expenses and take time off to settle her affairs. I had contacted the bank during this process to let them know what was going on and explain why I had fallen behind on the payments. As I stated, their agents were initially supportive. I would check in probably once a month with updates on the situation and was told that they would work with me. When I was back on my feet in XXXX I contacted their agents to tell them I was back on my feet and ready to resume payments or be considered for loss mitigation options and was rudely told, sorry, there are no options other than bringing in XXXX XXXX as a down payment and if you cant make that payment this is going to lead to foreclosure.
Consumer complaint received 2022-10-13
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. (CA)

THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED XXXX XXXX XXXX XXXX  WITH A BALANCE XXXX XXXX THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT
Consumer complaint received 2022-09-26
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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 you 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, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-28
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. (TN)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXXXXXX XXXX XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-09-05
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. (TX)

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to Transunion notifying them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but XXXX and XXXX are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance. XXXX and XXXX are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance.
Consumer complaint received 2022-10-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX formerly known as XXXX and XXXX XXXX committed fraud by submitting false documents and affidavits to The XXXX XXXX XXXX XXXX XXXX. The firm used the false documents created by themselves to obtain a final judgement against me. They even submitted false documents in the XXXX XXXX XXXX XXXX. A fake assignment of Mortgage was created to falsely establish standing in court. This law firm has been accused and found guilty of the same actions in the past. As a result, the firm was forced to report to the disciplinary Board of Pennsylvania. The firm later changed their name to XXXX. I do not understand how our government can allow this firm to foreclose on any Government back loan. I have attached all documents to support my claim.
Consumer complaint received 2022-12-08
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: STATE EMPLOYEES CREDIT UNION (MD)

In accordance with the fair credit reporting act State Employees Credit Union has violated my rights regarding credit card account ending in XXXX. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-11-12
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. (TN)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XXXX, XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a lease agreement opened at XXXX XXXX XXXX IN under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under the account number XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-22
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 an account without my written instructions
Consumer complaint received 2022-08-05
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)

I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, Transunion, XXXX, and XXXX has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion, and XXXX has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! Transunion, XXXX, and XXXX is in direct violation of the FCRA and the Gramm-Leach Bliley Act of 1999.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CT)

2017 My first lease with XXXX XXXX I received 3 tax amounts from city of XXXX XXXX. XXXX paid 2 of the amounts and had me repay them for the town taxes. I never received credit for any of those payments at tax time. I continued my next lease with them as I understood their processes to pay them tax back when able. 
They must have changed the process and did not notify people. I am now told that my payments made on time are not on time as my money was applied to town taxes. I explained to them that even town taxes don't work that way and if you don't pay you will deal with the XXXX yourself. I am not sure why they are stressing out consumers with the on going pandemic, recession and life? I promise I will not go back to them next lease!! I was informed that if I don't pay the tax part because that is the part they are looking for that I will be in default of my lease loan? I have 15 days to do this in. 

I feel taken advantage of, oh and my car payments are {$420.00} monthly and I make XXXX an hour. XXXX XXXX  and divorced!
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Complaint for Moneygram Payment Systems Inc. 

I sent {$10000.00} to my daughters account in the XXXX reference # : XXXX on XX/XX/2022 and on my receipt it says that the money will be in her account on XX/XX/2022 or sooner but until now its already XX/XX/2022 but the money is still not there. Its a payment for the house and I am accumulating fees because of the delay. I called customer service 6 times but none of them could help me. The people I talked to just said that moneygram is doing an investigation and waiting for resolution, case # : XXXX and XXXX. I sent {$100.00} today and it went through no problem. I asked to cancel the transaction for the {$10000.00} but they said that it can not be canceled because the money was sent to the bank already. I told my daughter to check with her bank and she went there personally and asked because moneygram told me that it was her bank who did not processed it. The bank told my daughter that there was no transaction made, because if there is, then it will just go directly into her account. Theres no one to talk to to speed up the process. Moneygram customer service said that the resolution takes 90 days!! I can not wait 90 days as I have to pay my house and I loaned that money myself. Please kindly help me to get a refund or have them deposit the money to my daughters account. Thats a lot of money and I dont know where to get the payment for my house. Your quick response regarding this matter would be very much appreciated. Thank you!!
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm reaching out about an account on my credit report that was charged off. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. While this account was removed from other credit bureaus it is still showing and updating on yours.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

Account : XXXX XXXX
Consumer complaint received 2022-09-22
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: TRUIST FINANCIAL CORPORATION (TX)

Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX XXXX XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely XXXX XXXX
Consumer complaint received 2022-09-22
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: SANTANDER HOLDINGS USA, INC. (TX)

Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely XXXX XXXX