davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Consumer complaint received 2024-11-14
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)

XXXX XXXX  I paid down my credit card but it has a high balance which which has since been reported i disputed it will all the agencies multiple time but has been unsuccessful getting the information changed balance is showing XXXX paid XXXX and now its XXXX and still reporting XXXX i called the company to get a updated statement but they said the account was sent to someone else but they still accept my payments.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the bureaus about some items on my credit report on the 3rd week of XXXX that I don't recognize and I wanted to validate if they were mine. I haven't gotten a response from them after 30 days so I sent them more letters to give them a chance to get back to me and verify the information they put on my report or else they would have to delete it. I take my credit seriously and it has a huge impact on me and according to the FCRA their failure to respond to my disputes is a violation of my rights.
Consumer complaint received 2021-03-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as son. so please help me while I move forward with helping my family thanks.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXXXXXX XXXX account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.

Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my XXXXredit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (NV)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XX/XX/XXXX, I was laid off from my job. I remain current on my loan and applied for Forbearance in XX/XX/XXXX and was approved until XX/XX/XXXX. On XX/XX/XXXX, my home was flooded during the snowstorm in Texas, my home was not assessed by an adjuster until XX/XX/XXXX, and on XX/XX/XXXX, I contacted Loancare to start the claim check endorsement process. On this day, I learned that Loancare has my account listed as delinquent and must be monitored which requires several steps as opposed to me be current and no additional steps are required. Since then, I have called the claims, collections, and customer service departments to update my records on the insurance claims side of Loancare. 

It is my understanding that when you apply for a Forbearance, you are protected from these negative tactics. It should not take 10 business days for a company to update their internal records. this is my second complaint against this company, it seems as though their ultimate goal help you get into a delinquent status.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was apart of the major XXXX credit breach and been having issues with fraud, inaccurate accounts and multiple credit monitoring alerts that can harm credit, in which it has. I have reached out to the collection agencies based on this information and asked for verifiable information to prove it is a legitimate account. They still have not provided me with this information and XXXX, XXXX, and Transunion have continued to report that the information is correct. After disputing with the collection agency i then disputed with each credit bureau with no effort into an investigation put forth. I also provided documentation. After Transunion closed the dispute they ultimately reported the account closed and left it on my report for at least another week or two, then deleted the account. XXXX  and XXXX  have yet to address the matter and continue to use algorithms to update my account. 
Amounts are those of 3 accounts : XXXX {$2000.00} XXXX {$890.00} XXXX {$560.00}
Consumer complaint received 2021-02-14
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. (AZ)

XXXX XXXX XXXX  sent me a new card and when they did they reported me a second account on my credit report. Its always been the same account same balance. For one year now they were reporting I was at 100 % utilization on one and then the other was accurate. After a year of impacting me I finally got the bank to send a letter to credit bureaus to remove this one from my report completely. Now all 3 bureaus are marking it closed due to fraud and now my score is down 20 pats. How is this legal I never had two accounts or separate balances. Ive now been impacted for a year this is crazy! Its like the bureaus want is to Have low scores.
Consumer complaint received 2023-03-02
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX, XXXX, XXXX.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (FL)

I recently filed a complaint against my mortgage company. On XXXX I contacted Land home financial services 5 times in one day. I was hung up on two times then advised a supervisor would be calling me back. I filed a loss mitigation packet so that I can save my home. The packet was denied after all of my documents were received. I've been trying to speak with a supervisor to explain that i am paid every two weeks. The examiner stated that the last pay stub received was on XXXX and that I never sent the most updated report. I've been trying to explain that I'm paid every 2 weeks and that my next paycheck was not until XX/XX/2023. Every supervisor is refusing to speak with me. I wouldn't even say the complaint is against the company its more so the workers. I requested that a call i had with a worker be reviewed due to me being removed from a trial payment period however that was never done and i never heard back from anyone. I filed a complaint back in XXXX and I guess due to the complaint against the company retaliation was done against me. XXXX of 2023 my house was assigned to foreclosure while being in loss mitigation status. I'm just trying to speak with someone in management and explain that all documents that were requested has been received and to have my case reviewed correctly.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (CA)

XXXX opened a student account with Suntrust in my name to pay my tuition. My government loan was automatically deposited into this account each semester to pay my tuition. Naively, I believed they were only giving me the amount I needed. It wasn't until recently, while applying for PSLF, that I learned I was given far more than I needed ( thousands more- $ XXXX more ) when I compared what XXXX charged with what was actually dispersed. It was not unreasonable to believe that I was only given what I needed ; I was a kid, I didn't know any better and neither XXXX nor Suntrust told me. I lived in XXXX  for XXXX years after I graduated and I never received any bank statements to let me know this account existed. Nor was I notified that the account was closed for dormancy ; despite, the terms of the Suntrust account stating that after 12 months of dormancy it would be closed ( which should have amounted to no more than {$900.00} or {$15.00} per month in fees ). Had I had any notion of this account I would have immediately closed it and sent the money to my loan so as not to have been paying interest on it all this time, but at this point the money is mine. Suntrust recently merged with BB & T and became Truist. I called Truist and was informed that my account was last updated on XX/XX/2022. It has my current address in XXXX. We are a military family so we move frequently, however, they have my current address ... which only leads me to believe they have been able to reach me all this time. But regardless, when I graduated I lived in XXXX and I continued to live in XXXX for 3 years afterwards at the same address. Furthermore, I forwarded my mail for an entire year afterwards. Then we bought a house in XXXX  and had our mail forwarded for an entire year after that. There is no excuse for not having been able to at the VERY LEAST send a single bank statement in XXXX years. It's almost as if at this point, they didn't want me to know I had the account and were deliberately preventing me from knowing about it. When I talked to their representative she could not tell me how the account was closed, why, where the money was sent, why I never received bank statements ( despite not having online banking ), why it wasn't closed for dormancy, nothing. There was no available information and advised me to go to a local branch. However, being that I live on the XXXX XXXX and this is a sXXXXXXXX XXXX that is very difficult.
Consumer complaint received 2020-12-29
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. (MS)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

I have had my current VA mortgage sold to Freedom Mortgage for servicing and am being inundated with calls and emails to refinance. When I have constantly asked for my name and contact information to be put on a do not call list or restricted call list to not contact as I will not be refinancing my mortgage with Freedom mortgage ever. In a call on XX/XX/2020 @ XXXX XXXX the Freedom Mortgage representative acknowledged that they did not have my name or number on a list and if it was they do not check the list as they only make calls. I alerted the representative that I would be reporting them to the CFPB for constant harrassment and failures to abide by do not call lists
Consumer complaint received 2022-09-21
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On at least six occasions this year, I have attempted to lift the temporary freeze on my account, encountering consistent difficulties due to inaccurate information that TransUnion has recorded. The security questions posed for unfreezing purposes bear no relevance to my personal details, encompassing erroneous data ranging from previous phone numbers and addresses to unfamiliar individuals. Despite numerous calls to rectify these issues, the impediments persist each time I endeavor to unfreeze my report, resulting in multiple instances where I've been denied credit. This has adversely affected my applications with XXXX five or six times and with XXXX XXXX on several occasions. 

My most recent contact with TransUnion occurred on Saturday, XXXX, where, as expected, I encountered challenges answering the security questions. Consequently, I requested the intervention of a supervisor, who was able to verify my identity. She assured me that the freeze would be temporarily lifted, allowing me to manage it independently moving forward. 

However, on XXXX, when I applied for credit once again, I faced a recurrence of the same issue. The online system indicated that it would send a code to my email, which, as usual, I did not receive. Regrettably, this has led to yet another missed opportunity in my credit application. It is imperative that TransUnion be held accountable for the profound impact these recurring issues have on individuals ' lives.
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX A judgment was rendered against me in favor of Chase Bank on XX/XX/XXXX in the XXXX County, Florida Court for defaulting on credit card debt. The amount of the judgment was {$12000.00} with an annual interest rate of 8 %. ( It was the result of my business becoming insolvent in XXXX. ) On XX/XX/XXXX Chase sent me a letter stating that after entering into agreements with the U.S. Consumer Financial Protection Bureau on XX/XX/XXXX it would stop attempting to enforce the judgment. They also stated that they would not sell the judgment. ( Administrative Proceeding File No. XXXX ) However, while in the process of recently refinancing the mortgage on my home, I discovered that on XX/XX/XXXX Chase had assigned the judgment to XXXX XXXX XXXX, a XXXX XXXX, FL company whose Registered Agent is Attorney XXXX XXXX. 

Furthermore, on XX/XX/XXXX, XXXX filed an Affidavit of Creditor 's Address on XXXX behalf and obtained a certified copy of the Final Judgment at the XXXX XXXX XXXX XXXX XXXX office. 

I was never notified by Chase or XXXX that the Judgment had been assigned. 

Documents provided : - XX/XX/XXXX letter from Chase Bank - XX/XX/XXXX Affidavit of Creditors Address submitted by Attorney XXXX XXXX on behalf of XXXX XXXX XXXX.