davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (LA)

I have USDA government backed loan and called in to complete a Covid -19 forbearance. At the end of the Forbearance I had to make a decision from the choices that as giving. During this time as on all calls they give you the options for assistance. On XX/XX/XXXX I called in and spoke with someone to find out whether I was approved for a deferment to move the payments to the end of my loan he said yes however I would need to sign the loan dock because I havent signed it yet. Theres a deadline to sign and send it back and during this time we also spoke about the money that I was receiving from the Louisiana HAF a government fund to help homeowners pay their back mortgage. After he explained I needed to sign the deferment doc I he emailed it to me, I signed it and emailed it back while we were on the line. He then referred me to the same organizations for help once more and explained to me how they work. Never saying that if I accept the deferment I wouldnt be able to get the friends from the government. He gave me examples of how hes see it work for other customers, still not telling me that I only could have one or the other. Ive spoke to several different reps weekly congratulating me on getting the funds, still never being told I could have 1 or the other. My approval with the state was approved and they moved forward with paying off {$17000.00} to Flagstar. At this time the deferment still wasnt processed thru Flagstar and this was verified thru the USDA rep. Flagstar decides to forward the payment back to the state and proceeds to process the deferment instead. All misinformation from the reps, loss mitigation department and their managers. I need assist with getting them to listen to all of their call from XX/XX/XXXX so that they can correct this issue and request the funds back from Louisiana HAF. There refuse to acknowledge their faults, reverse the deferment, and apply the state funding. Its a company mistake I should not be reprimanded for their negligence.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, VA 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 2022-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PNC Bank N.A. (CA)

I XXXX XXXX am a natural person, Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature. This Demand is a response to willful disregard of the law by XXXX XXXX XXXX, XXXX XXXX COMPASS BANK COMPASS BANK is presenting a gross mischaracterization of an alleged debt. XXXX XXXX XXXX XXXXXXXX XXXX attempt to ignore my initial claim of COMPASS BANKs alleged theory that they are entitled to funds not owed to them as defined in 15 U.S. Code 1602 TRUTH IN LENDING ACT The EXHIBITS attached will show direct violations of 15 USC 1692e ( A ) the legal status of a debt 15 USC 1692e ( 3 ) the implication that any individual is an attorney The EXHIBITS attached will show direct violations of 15 USC 1692b ( 2 ) Stating the consumer owes a debt 15 USC 1692b ( 3 ) Not communicate with any person more than once 15 USC 1692b ( 5 ) the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2024-11-21
Product: Credit reporting 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. (IN)

I recently checked my credit I recognized I had some unauthorized hard inquiries on my transunion credit report ; these are the inquiries - 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of a fraudulent account appearing on my credit report. This account was opened as a result of identity theft and contain inaccurate and false information. The fraudulent account is as follows : XXXX XXXX XXXXXXXX XXXX : {$10000.00} This account have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that this fraudulent item be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2022-06-16
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. (LA)

Im accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, 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 2022-06-16
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)

Im accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXl, XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, 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 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NY)

I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove this account from my transunion credit report. I have attached dispute letters along with an FTC identity theft report. & Police report.
Consumer complaint received 2022-05-02
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: Rent Recovery Solutions (MI)

This fraudulent account has already been removed off ALL consumer reports back in XX/XX/XXXX and was illegally reinserted on consumer reports on XX/XX/XXXX. Pursuant to 15 USC 1681i ( b ) ( ii ) no consumers were notified no later than 5 business days after reinsertion this is well over 5 business days. This is a fraudulent account and has been deleted from all consumer reports before, therefor this is inaccurate reporting to the consumer report agencies and your company Rent Recovery is willfully performing identity theft, and violating my consumer rights by furnishing this account to the consumer reporting agencies. 

I have attempted to resolve this matter by mail in which your company signed this document, and ignored my request and correspondence. Delete this account immediately, cease and desist all forms communication through any and all mediums, and terminate further alleged debt collection efforts. Furnishing deceptive forms on my behalf as the consumer is in fact violation of FDCPA, and is considered communication with the consumer when notified to cease by the consumer. This is my FINAL time invoking my specified remedies as the consumer pursuant to 15 USC 1692c ( c ) ( 2 ) before I seek litigation.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-11-17
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. (CA)

This account was charged off : Since then, the date of last activity has been inconsistently updated on Transunion the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I was involved in a scam that ultimately ending up taking XXXX $ from my Usaa account. After Usaa investigated they told me they could do nothing and Id just simply have to accept the loss as its my fault for being scammed.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I refinanced my home XX/XX/XXXX. The closing attorney sent the funds to XXXX XXXX  who our mortgage was with. During the days of closing on our refinance with XXXX XXXX and the attorney sending the funds, XXXX sold our mortgage off to Mr Cooper. The closing attorney sent funds to XXXX who in return wired the money to Mr Cooper. The day I asked for a wire tracking number, XXXX was able to provide me one. XXXX wired the funds to Mr Cooper on XX/XX/XXXX. 

XXXX forwarded me this email Payoff Statement Quote : XXXX by XX/XX/XXXX Per diem XXXX Wire Received XXXX on XXXX at XXXX Difference : XXXX / XXXX = 4 days less than the quote. 
Good through XXXX minus 4 days allows for XX/XX/XXXX as a posting date. 

Mr. Cooper claims the funds were short and sent the money back on XX/XX/XXXX. I haver called Mr Cooper multiple times asking for a wire tracking number. Mr Cooper told me they wired the funds to the closing attorney, I called the attorney and they confirmed they have not received them. I had someone call and ask where the funds were sent and to check if they were sent to me or XXXX. I have not received the funds and neither has XXXX. Every time I call Mr Cooper and ask for a wire tracking number no one can provide me one and tell me someone from accounting will call me back and they never do. I call weekly ( 1-2 times per week ) and ask for a wire tracking number because no one can tell me where $ XXXX was sent. Now because the loan is considered in bad standing we have received letters from an attorney saying our home will be a foreclosure sale soon. Mr Cooper claims they have wired money and can not provide a wire tracking number, nor can their employees tell me where the money was sent. They asked me if I knew where it was or told me it was sent to places and it hasn't been sent. So either they haven't sent the money like they claim they have or they have wired $ XXXX to someone and they have no clue of who they sent it to. I don't understand how in todays age of technology no one at this company can tell me where this money was sent or provide me with a tracking number and I am continuing to get threatened with a foreclosure.
Consumer complaint received 2022-05-27
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. (CA)

I sent a letter on XX/XX/XXXX requesting to remove the Fraudulent Information : XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$72.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, 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 any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.
Consumer complaint received 2024-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-21
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. (GA)

I am filing a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of XXXX5 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (LA)

I have almost two inquiries from each creditor. I have not requested any financing from either of these creditors. The creditors advised that they are not able to provide anything because there is no account with them.
Consumer complaint received 2022-12-29
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. (GA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I called Chase Card Services on XXXX XXXX, XXXX and told the XXXX to pay my entire balance on my card that day via a link to my checking account. Around XX/XX/2023, I got my next monthly bill from Chase and found there was a late charge and penalty because my XXXX XXXX purportedly wasn't paid. I spent hour on the phone fighting with various persons at Chase telling them the Chase agent was at fault, that she was clearly directed to pay my bill immediately, not a month later. I paid both my XXXX and XXXX XXXX but refused to pay the late fees. Chase reviewed my case, determined I was correct and their rep was at fault. They removed the late fees. I asked a supervisor if Chase sent negative information about this later payment to the XXXX credit bureaus. I was told they did not. Negative information is only sent if a payment isn't made for two months, not one, was the information I received. I sent a letter of complaint to Chase asking them how this could have happened and why I should trust their customer service people to EVER make a correct debit to my checking account again. Chase responded with a letter that answered none of my questions. The letter was vague and unclear but seemed to indicate they might have sent negative information to the credit bureaus. I contacted the woman at Chase Executive Services who was assigned to my account. I have now called her 15 times. She is never available. I told her voice mail what dates and time I am available ( I have a job and can't answer a cell phone at work ). She called me back once, during a time when I told her I was NOT AVAILABLE. I finally asked for a supervisor to call me. XXXX never did. I called again and asked for a supervisor, gave the times I was available. He also called me during a time I was not available! I have written Chase two letters ; none of my questions have been answered. I don't know if they have contacted the credit bureaus or not because I'm getting conflicting information from them. They won't call me ; they ignore my letters. This is unacceptable. I'm left in the lurch because they have poor staff who aren't trained well. Their errors becomes my problems, yet they won't talk to me.