davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2021-11-22
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. (GA)

XXXXThis is not a duplicate complaint*********** On XXXX I sent a certified letter to XXXX, enclosed was a Notarized Affidavit of Truth and my request for Method of Verification of debt. XXXX responded with a copy of XXXX XXXX XXXX. They never rebutted my affidavit, nor did they provide me with the XXXX of XXXX. In my affidavit I stated that Im a natural person and the original creditor. See attached Theyve never rebutted my affidavit of truth that stated Im the original creditor nor responded to my request of XXXX of XXXX. Theyve only responded with a copy of the promissory Note. They did not provide the XXXX contents of Validation of debt per 15 U.S. Code 1692g ( a ), specifically the name and address of the ORIGINAL CREDITOR, if different from the current creditor. Notice, it is a fact, an UNREBUTTED AFFIDAVIT STANDS AS TRUTH - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Notice, it is a fact, I, the affiant, is the consumer and original creditor, this alleged debt is not Valid. Notice, it is a fact, I, the affiant, is a consumer and a natural person in accordance with 15 U.S. Code 1692a ( 3 ) Notice, it is a fact, pursuant to 15 U.S. Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 5 ), a debt is any obligation or alleged obligation. Notice, it is a fact, nothing within the subsection of 15 U.S. Code 1692g ( a ), validates a debt. This section of the FDCPA simply states a requirement of the debt collector to deliver, to I the consumer and affiant, in the process of validating a debt. No debt has been validated, and I have never admitted any liability of this alleged debt in the past and I do not claim liability now. No proof of claim can be validated without the requested information in the affidavit herein is provided to the affiant.
Consumer complaint received 2024-11-06
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. (CA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found out that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2022-04-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

We have a VA loan and our servicer is XXXX. Our property is in Maryland and currently being used as a rental property, we occupied it for 2 years and got PCS orders elsewhere. We intend to reoccupy the property in 2 years when we get sent back to the area. 

We were in forbearance last year due to the XXXX pandemic and our renter who stopped paying rent. We were unable to evict, due to restrictions at that time. We were in forbearance until XXXX of this year, when the tenants lease was up and they vacated the premises. 

We were told from XXXX representatives all last year that with the VA loan, we just needed to modify the loan to roll the missed payments into the end of the loan. We have several recorded phone calls stored of different representatives telling us the same thing in that regard. 

We called XXXX in XXXX to get the account back in good standing. The representative told us to make a payment in XXXX and they would send us paperwork for remodification of the loan. We have proof that we made a payment on time. A week later we got a letter saying our account was in default and on XX/XX/20 the foreclosure process would be started. The default was finally cleared in early XXXX ( XXXX ) after they admitted it was a mistake on their end and that we should have never been in default and we were told our application for loan remodification was processing, it would take a couple weeks. We never had to fill out anything for this supposed application. On XXXX we were told the underwriters needed a month. 

We called back on XXXX and were told there was another technical issue and that emails were sent out. We verified the email on file and confirmed nothing was ever sent our way, proving that the company just tells lies to avoid helping their consumers. We spent an hour on hold today and made the representative send the email while on the line, and magically it came in. It turned out to be an applicationfor loan remodification - something we were told was already started back in XXXX. Then we were told the underwriters would need another month after receiving this application. That will put us in XXXX, 5 months of trying to get out of forbearance and making on time payments. This is beyond unacceptable. 

We are tired of the lies from this company. We have tried, tirelessly for 5 months, to modify our loan and be out of forbearance. We have been lied to several times. We have been ignored. We have had our calls dropped by incompetent reps who dont WANT to help. This is now our second formal complaint. We want the company to end our forbearance and to modify this loan asap. We should never have had to wait 5 months and been left as an after thought with this process. It is despicable.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE REMOVE ALL ACCOUNT. MY INFORMATION WAS EXPOSED DURING DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT, THE FOLLOWING ARE UNAUTHORIZED. 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 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
Consumer complaint received 2022-12-12
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: Southwest Credit Systems, L.P. (NJ)

After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
Consumer complaint received 2024-11-06
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. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-04-14
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 XXXX Account 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 602 A states : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (IL)

Subject : Complaint Against EXPERIAN for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIANfor retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against EXPERIAN Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EXPERIAN has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by EXPERIAN include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information It is worth noting that XXXX has now removed this account from my credit report and has provided me with evidence of its removal. This highlights the lack of accuracy and consistency in the information reported across the three major credit bureaus. If XXXX has acknowledged that the information is incorrect, it is clear that Experian is failing to maintain the accuracy required by the FCRA. 
I formally request that this information and the related account be removed from my Experian credit report immediately, to ensure that the data reflected in my credit history is accurate and consistent with the other agencies.
Consumer complaint received 2024-11-06
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. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

I refinanced to get a better rate for my mortgage in XX/XX/2020. The new company that took on my mortgage was called BSI Financial Services. I paid my mortgage in full for XX/XX/2020 on XX/XX/XXXX. Then, in XX/XX/2020 I got a letter informing me that " the servicing of your mortgage loan is being transferred effective XXXX XXXX '' and " BSI will stop accepting payments received from you on XX/XX/2020 ''. As of XX/XX/2020 my mortgage was with XXXX XXXX. 

On XX/XX/XXXX, I checked my bank account, and I can see that XXXX XXXX took my full mortgage payment on XX/XX/XXXX, AND BSI had taken a full mortgage payment on XX/XX/XXXX. The payment BSI took is identical to the XXXX Payment I made. I have the bank statement to prove they took my money. 

I called BSI on XX/XX/XXXX and they assured my that my automatic payments were shut-off, and that my account is no longer with them. They said they have no records of taking my money in XXXX. I spoke with a BSI representative named XXXX, and she said all I can do is e-mail XXXX. I e-mailed BSI on XX/XX/XXXX, detailing the whole situation, and they never go back to me. I sent another e-mail on the XXXX and asked for a response within 24 hours and still got no response. Calling and e-mailing this company hasn't been working. The XXXX  mortgage payment BSI took of {$2800.00} is still gone from my account.

I XXXX   BSI and s
aw that they have had lawsuits with the Consumer Financial Protection Bureau before. This worries me because I don't want this company to get away with taking my money. And since they did it in  XXXX, I don't know how to stop them from doing it again in XXXX. I thought about flagging it as fraud with my bank ( XXXX XXXX XXXX ), but I figured I would try to contact the CFPB for help first since you have dealt with BSI before. All I ask is that I get my {$2800.00} back in my account, and written confirmation that they won't be taking any more of my money in the future ( since I am now with XXXX XXXX and they legally shouldn't be taking my money anymore ). 

Please contact me so I can provide you with my bank statements, the e-mail attempts with BSI, and the physical letters I got in the mail saying my mortgage was transferred and that BSI wouldn't take any money for XXXX.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation (GA)

Dear CFPD I am contacting you regarding the collection agency Suburban Credit Corporation. I had 7 negative items items hit my credit reports on XX/XX/XXXX. I was not contacted by this company until today XX/XX/XXXX in writing about the debt owed. The FCRA protect consumers from this business practice which would have given me notice of the debt to determine if it is in fact valid or not and it also gives me 30 days to do so. 

I have attached a copy of the letter that I received today XX/XX/XXXX. This is a unlawful business practice on behalf of this collection company. Also they separated total balance of {$260.00} into 7 different negative items. 

They did not send me any communication prior and demanding payment for something I wasn't even aware of. 

The letter attached is dated XX/XX/XXXX which is the first communication that I have received regarding the alleged debt.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

I was 40 miles away from my house going to a final inspection of my new house when I received a notification from Chime that {$500.00} was removed from my account via atm. I immediately reported the fraud and had them cut off my debit card. I filed a fraud report since I did not take that money from my account. Later that week after I reported it as fraud I was told by Chime that it was not a fraudulent debit and that it had been done with a pin and there was no failed attempts. But after checking what ATM machine it was withdrawn from and several phone calls to XXXX and the XXXX XXXX XXXX Police department we determined that the address given by Chime in the alert was a bogus address and does not exist. XXXX also confirmed that they do not have an ATM in that area. We resubmitted what we had found to Chime and they still refuse to return my money. They never even asked me any questions or did any investigation as far as we know. I have attached their idea of a questionnaire to " investigate '' my claim not sure how they used it but it is not really much. They never called me or spoke to me on the phone regarding my claim. The attached from is their idea of information used in them determining if my claim was valid. There is a bunch of emails from an automated system if you want those.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

Hello, I have XXXX XXXX XXXX from Barclays bank. I filed for dispute with XXXX XXXX transaction for {$140.00}. Case # XXXX in XX/XX/2020. 
XXXX XXXX subsidy XXXX XXXX sold tickets in XX/XX/2020 with term that allowed 50 % refund for ticket price and 100 % for additional service ( seats and baggage ). They canceled flight in XXXX and I requested refund. Refund was denied base on new term by airline : " refund will be available 60 days after company resume normal operation ''. 
After that I asked credit card to start dispute base on original term. It must be XXXX Euros. 
Credit card open dispute and on XX/XX/2020 they send letter that credit could not be issue without supportive documents. I got letter one week later and contact credit card about the way of sending  information. Credit card dispute page not providing this option. 
During my phone conversation with Customer Service, I was told that dispute closed and Dispute department work like " on call service ''. 
I sent regular mail with documentation for review. It was delivered on XX/XX/2020. On XX/XX/XXXX credit card denied dispute and issue credit. They recommended to resubmit request before XX/XX/2020. This is day of my flight. I called to them on XX/XX/2020 and was told that dispute closed again. 
Still, no Dispute Department personal available and i have to refile again. 
None of the letter state that dispute was closed. 
This is complete fail by credit card to follow their term and condition for dispute, denying service that they have to provide and protect customers.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XXXX 2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.