davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (FL)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for me to ensure accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-13
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)

Discovering that I've been a victim of identity theft has been incredibly stressful. Someone used my personal information, resulting in unauthorized accounts and activities appearing on my credit reportaccounts I had no idea about and never had any involvement with. Realizing how serious this was, I acted right away. I contacted TransUnion, and they told me to file a report with the Federal Trade Commission ( FTC ), which I did immediately. I forwarded the report, hoping it would help get these false items removed quickly. However, despite all my efforts, the fraudulent entries are still there, and its been frustrating and concerning to think about the lasting impact this could have on my credit and financial stability.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (LA)

On XXXX XXXX, 2016, after reviewing my credit report, I noticed accounts listed from XXXX ( XXXX ). I contacted the number listed on the report to be told they did n't have my account and gave me a number to contact which was XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX to pay off the account in exchange for deletion from my credit report. I was told by XXXX XXXX to dispute the account, ( which I did ), and it would be removed. The company that 's saying I owe them XXXX has since just decreased the balance owed on the account. I paid XXXX XXXX XXXX because I was forwarded to them from a representative of XXXX. I was told it would be removed after payment so that is what I expected. XXXX is illegally reporting these accounts ( with a balance ) and this is not only illegal, but inaccurate as well. I contacted Equifax on XXXX different occasions to be told " we are going to open a dispute ''. For the information to come back as " verified '' which is impossible because not only is it paid, but the reporting agency does n't even have the account. I spoke to a representative for the 4th time and was told the same thing about opening another dispute. I requested validation of debt from the creditor which I have yet to receive.
Consumer complaint received 2024-11-13
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. (CA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-11-13
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. (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and the letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX Final Rule XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Card ending in # XXXX Bank of America 1. I had a {$1500.00} credit limit which with fees and interest charges it went over {$1800.00} {$300.00} over and a higher intrest rate than the usual, .Almost $ 30 % I had just done a credit check and they reported my account as a charge off. I had missed several payments early in 2017. In XX/XX/XXXX I was called from a specialist from bank of America a lady named XXXX we talked a little she had said that she would get back in a week, which took a month instead delaying any payment arrangement, that is when I received a charge off, which I just found out XX/XX/XXXX this will hurt my score. besides they are breaking rules as in unfair billing practices, and in some cases they use peoples checking money for their own use BO AMERICA is being sued for millions of dollars I Told them I 'm a customer I had mention the late response from XXXX as far as payment arrangement that 's not my fault. I said work with me the charge off no response I had to hire a law firm for credit repair. So this time they are not fexible, I dont understand this company. they are afraid to go to court. So why is it my fault with a charge off cause of XXXX.I had mentioned today, its not fair and I want to move from here of 45 yrs in crete  the fees the intrest rates the highest unfair billing and late response what else????
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (NJ)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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. (FL)

I looked at my report around back on XXXXXXXX XXXX and noticed something are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shell follow reasonable procedures to assure maximum possible accuracy concerning the individual about whom the report relates. This account, ( XXXX XXXXXXXX XXXX ) is not complete and is not accurate I sent a letter on XX/XX/2024 asking them to reinvestigate this account XXXX XXXX XXXX I got the investigation back and noticed nothing was modified or updated so I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC1681i7
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

I have already filed a complaint, however, it was something still nagging at me that I believe I forgot to mention. Here is info for previous complaint that I 'm adding to. Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Mortgage As Ocwen had stated that I had check returns, never ever have I wrote a check to them that was returned. Also, I notice that they at times did not submit entire amount of payments in statements. I have NEVER made a partial payment, also a few times I noticed that they stated payments had been reversed. Never has that happened. Just want to add/be acknowledged in my original complaint. XXXX XXXX XXXX
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; Transunion, XXXX contacted the creditor, XXXX. Instead of correcting the account record, on XX/XX/2016, Transuion put my account into delinquency till a Law Firm I engaged complained TransUnion improved the account on XX/XX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX account as proof that I owe them no monies as of XX/XX/2016. TransUnion should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XX/XX/2016 on payment in full of balance then.
Consumer complaint received 2017-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

I recently refinanced my Home Equity Line of Credit to a conventional mortgage with another banking institution. On XX/XX/XXXX the bank sent a payoff check and the letter to BSI Financial that I was no longer going to have a draft and that I was no longer accountable to there company. The loan was paid off in full to the amount BSI showed as the payoff amount. 
OnXX/XX/XXXX I received a statement showing {$0.00} principal with a previous payment of {$110000.00} paid to them. With a fiance charge of {$260.00}. 
I called on that same day spoke to a XXXX at the BSI Financial Company, asking why did I receive a statement for a payment due? When I had refinanced with another lender and they were paid off onXX/XX/XXXX. She stated that the statement was generated and sent out but, that I did not have a balance due on the computer she was looking at my account. So, I said so you are saying that you will not draft money from my account on XX/XX/XXXX. She said no they would not and that all was good. 
I went on about my business thinking everything was done. While checking my account on XX/XX/XXXX, I saw that BSI indeed did draft the funds from my account causing my account to become insufficient because I was not anticipating the draft. I called again and spoke to XXXX who stated that she would contact the payoff team concerning this. And that someone would contact me within 24-48 hrs. I called the next day again because I needed the money back in my account. I then spoke to XXXX onXX/XX/XXXX he stated this was interest they were collecting. I said how can you collect on a XXXX balance and I needed my money back. He stated that the quicker way to get my funds was to call my bank and dispute the charges. Because they were not a bank and could not cut me a check electronically. 
So at his advise did just that and the money was in my account the next day. 
Since then I have received numerous calls to collect the {$260.00}. They also have said through out these conversations that they did not receive the letter releasing me of bankdrafts. 
I called my bank and on XX/XX/XXXX asking them did they send the document concerning the cancellation of drafting. I signed this at closing. She stated that they sent it in with payoff check. Which we know that they received. I asked them to please resend it and they overnight again to BSI via XXXX. Received on XX/XX/XXXX by receptionist at XXXX XXXX. I have since received more phone calls saying that I owe this money. I do not believe I do. On XX/XX/XXXX I received in the mail a letter saying that they received a letter stating to change the Automated Payment Plan as of XX/XX/XXXX. So, I do know they received that letter. Since then they are still calling. Today I received a letter saying I owed them a {$25.00} NSF for the funds they took on the XX/XX/XXXXwas NSF. I do not believe I am responsible for this fee due to the fact they should not have drafted the money in the first place. XXXX balance is XXXX.
Consumer complaint received 2024-10-14
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. (CA)

Experian removed the XXXX XXXX XXXX account OVER TWO YEARS ago due to the account being fraudulent. The identity theft report should be on file. I attached ANOTHER FTC Identity Theft Report showing the account is indeed fraudulent and to make sure this fraudulent account gets removed AGAIN and STAYS off of my report. This account was NOT authorized by me and is not mine.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (UT)

In XXXX 2017, the XXXX XXXX paid my loan to Loancare, and in XX/XX/XXXX, I asked for more help, and LoanCare did not acknowledge the payment, and was charging extra late fees and trying to get double payments. XXXX XXXX and I both tried several times to get in touch with them to get a current statement reflecting the true amount due, and payment of the previous month. The payment was ready to be sent off at the end of XX/XX/XXXX, but despite our efforts to get an updated statement, he decided to pay it XX/XX/XXXX. Yes it was late, but still they had not gotten back to us. It is the only late payment on my credit report, and I asked them via email, to please get it off my report, so I could refinance at a lower rate, so I could afford payments. If they would have just responded, the payment would have been received on time.
Consumer complaint received 2017-08-28
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: FIRST NATIONAL BANK OF OMAHA (GA)

Called XXXX to dispute a hard inquiry on my credit file. I was informed by rep that they do n't delete inquiries without something from creditor listed authorization and I needed to contact creditor. I contacted 1st National Bank of Omaha on XXXX/XXXX/XXXX. Spoke with XXXX who explained that I could n't call and request anything to send to XXXX regarding this matter. He stated XXXX would have to contact them and request or demand positive proof from creditor rather I have an account or inquired about XXXX. And that there is nothing they have to acknowledge that there is such an account
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. XXXX XXXX XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Watson Mortgage Corp. (FL)

I applied for a mortgage with the First Time Home Buyers Assistance Program with XXXX XXXX of Watson Mortgage. I was transparent with him about that fact that my previous home had been foreclosed three years prior. He told me I still qualified. He had me go through the entire process which included placing an offer on a home, paying for the inspection, credit report and appraisal which totaled {$940.00}. When it came to the last two weeks ( at this point I was two months into the process ) he notified me that my income was too high for the down payment assistance program. He said the reason for this was that my loan had to be changed from an FHA to a Conventional due to the foreclosure ( which I had told him about during our very first conversation two months prior ). Without the down payment assistance I was not able to purchase the home. He was aware during the entire process that I would n't be able to purchase the home without the assistance. I spoke with XXXXXXXX XXXX superior who informed me that although XXXX was wrong in putting me through the process, he would not be refunding my expenses. At that point he gave me his superiour 's name and phone number. I called and left a voicemail but he has yet to return my call.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

The issue is the continuing of reported information that has been previously disputed. I have requested that Chex-Systems removes these following items from my consumer report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also I have requested that the inquiries from these credit unions to be removed as well. Also the inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
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. (NC)

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions or crimes which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-13
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. (PA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9900.00} INQUIRIES : XXXX - XX/XX/XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My XXXX XXXX has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge, creating an inaccurate picture of my financial history.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX XXXX. And I am filing this complaint because I have notice several inaccurate reporting accounts and inquiries on my report. I did not give authorization for these reportings for they are XXXX percent inaccurate. Please remove them immediately. And no this is not a third party filing this for me.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GULF ATLANTIC FUNDING GROUP INC. (FL)

Gulf Atlantic Funding should not allowed to do business. They lure you in with a supposed personal loan rep who gets a commission but never helps you. XXXX XXXX was supposed to get a mortgage for myself as well as some of my clients. I am a realtor. This was a complete nightmare with lies and months of no help or return calls. Almost losing the deal on the house for my clients!! And hours and hours of hunting them down only to get more lies and no help. Many changes to your costs last minute when you are desperate to buy the house..Like armed robbery without the XXXX. XXXX XXXX was the rep who was an absolute nightmare!