davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-30
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. (NY)

I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section 604 of the Fair Credit Reporting Act ( FCRA ), I request an immediate reinvestigation into the following unauthorized inquiries and their removal from my credit report : XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
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)

Im accordance with the fair credit reporting act XXXX  account numbers : ( XXXX XXXX XXXX ) ( XXXX -XXXX  ) XXXX XXXX also using account # XXXX- representing as XXXX XXXX investments ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  ). ( XXXX also using account # XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). ( XXXX- XXXX XXXX XXXXXXXX XXXX  ) ( XXXX. -XXXXt ) all listed has all 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 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (CA)

Requested a report from XXXX Consumer Assistance Account : XXXX  XXXX  : Accounts shaded below may be considered Negative accounts XXXX shows this account " Negative '' .. No Data is available for months left blank in the payment history XXXX
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I'm very disturbed by the fact that I received a credit card application in my late father 's name from Bank of America when he has been deceased for 40 years! If Bank of America is so hard up for customers that they have to start sending credit card applications to family members loved ones is pretty reprehensible to say the least. After all these years I want to know how and where they found this information and want it completely purged from their systems. I also want a formal apology as well. Bank of America can rest assured that I nor my family will never do business with them in the future. This is truly appalling and all in the name of big business.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

Regarding removal of PMI via a broker price opinion / Appraisal On XX/XX/2022 I was informed by my lender, Freedom Mortgage XXXX ( license number ) that I " don't qualify for a broker price opinion and PMI removal '', even though the home protection act guarantees that I can request PMI removal at any time during the loan ( which is 15 months old ). Current homes ( comps ) in my area are marketed at much higher asking prices which would put my LTV at under 78 %. I am being told that I don't meet seasoning requirements, which, suggest that I am not a " fit borrower '' however, on their own website when I login, I'm offered XXXX XXXXXXXX HELOC " based on my home 's value '' which in and of itself, would allow me to remove PMI. 

That said, I disagree with seasoning requirements which are arbitrary, and are not in step with HPA guidelines. 

REALISTICALLY, comparable homes in my area average XXXX, and my loan is at XXXX. Which would put me at an LTV of XXXX XXXX. They are refusing a broker price opinion ( that I'm willing to pay for ).
Consumer complaint received 2022-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WV)

I entered the forbearance program last year as random cutback and layoffs over covid were affecting my company of emplyment. Later in the year, they cut work force permanently. Loan Depot had approved my program and was very helpful with the process. In the beginning of this year, the servicing went to XXXX about the time I was coming out of the forbearance program. In XXXX, I requested to be remeoved from this program and to start making my normal payments again. I was informed that there was all this new paperwork to fill out to see if I was eligible for the forbearance program after a year of payments in arrear and I could no longer make payments except to certain agents. I filled out the paprwork and offered them a good faith payment to start out. I didnt hear from them again until XXXX, when XXXX XXXX told me they needed more information. I sent the information and attempted to make payment, which was refused by their agent. The next month, a new agent, XXXX XXXX, came in and said they just needed one more piece of information and all was approved to move forward, a statement that I wasnt working any extra income jobs. I provided this and gave her a payment with extra. She then emailed me that I would receive a form to sign and the amount to catch up my payment in the mail. The email also stated to ignore the coming bills demanding full balloon payment from loan depot as these were computer generated. I received one bill that had notarized court intent to forclose my home without full ballon paymenty and reached out since I had not heard from them since XXXX, over a month. I was put with a different person who then said all the paperwork needed to be completely resubmitted and start all over after 7 months of trying to get this situated and make payments, even though they intend to forclose in two weeks and have stalled me from action this long. upon my study, XXXX has been sued multiple times over 20 years for this action and taking houses to flip.
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX BANK # XXXX, has violated my rights. 
XXXX BANK XXXX # XXXX, has violated my rights XXXX XXXXXXXX BANK # XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX  # XXXX has violated my rights. 
US DEPT OF EDXXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2022 I opened my credit report to discover a hard hit credit check was pulled by Capital One on XX/XX/2022. I never applied for a card and my credit score got reduced 14 points. I immediately contacted all 3 bureau 's to freeze my credit report. I contacted Capital One fraud department on XX/XX/2022 to open up a fraud report/alert. The agent stated the credit card application was not processed due to incomplete information. The agent did not provide me the name of the applicant. The agent assured me the inquiry would be removed from all 3 bureau 's taking up to 90 days and I would be contacted by the Capital One fraud department.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-10-30
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)

Ive recently recieved a copy of my credit 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 2024-10-30
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. (CT)

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 2022-08-29
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. (AL)

In accordance with the Fair Credit Reporting act ( Account, XXXX  Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (PA)

In XX/XX/2016 when I was finalizing the process of purchasing my car I conveyed to the sales representative that the interest rate was high. He said, after a few months to a year or so to go to a credit union to refinance the loan. I attempted to do that and was denied multiple times. One of the credit unions told me I didnt earn enough for a refinance yet it was the same amount ( SSDI ) as when I purchased my car. I purchased the car believing that I would be able to refinance the loan as advised by the car salesman to refinance the loan. When that didnt work I called the loan originator, Santander Consumer USA . I was denied a refinance because they dont refinance their loans. Im now beyond three years into the loan unable to take the misleading advice of the sales rep at XXXX XXXX XXXX and having failed at negotiating the APR with the lender as Ive had no late payments and paid on time. Im issuing this complaint today because both the car dealership and the bank ( XXXX, # XXXX ) gave the same misleading and deceptive advice. I believe this is a deceptive tactic which is misleading consumers into believing they can do something they may t be unable to do if theyre or on a fixed income. These practices are discriminating against the XXXX such as myself and imprisoning these consumers due to their misrepresentation in marketing the loans with deceptive business tactics.
Consumer complaint received 2022-09-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

I did a trial mod with LoanCare, and completed paperwork successfully, got approved the paper work was sent to LoanCare over a month ago, on XX/XX/2022. I have made numerous phone calls requesting my loan modification paper work with no response. LoanCare can not or will not tell me when my paper work will be sent. I call them every day to get the same reply LoanCare telling me they do not have me an answer. I am told they will escalate the file but nothing ever gets done.
Consumer complaint received 2022-08-29
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. (AL)

In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX  Account # XXXX XXXXXXXX, 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 2022-08-29
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. (AL)

In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-29
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. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I sent money to XXXX on XX/XX/XXXX. The intended receiver ( my boyfriend who is visiting his cousin there ) went to pick it up on XX/XX/XXXX and gave his passport to a MoneyGram agent. After getting his passport back from the agent, he was told that there was a network/internet error and the money could not be given to him. My boyfriend stepped out of the MoneyGram location to ask if I wanted to cancel the transaction but I declined. My boyfriend verified that the money was still available on XX/XX/XXXX. When he returned to the MoneyGram location on XX/XX/XXXX, he was told that the money had been picked up on XX/XX/XXXX. My boyfriend was understandably upset and questioned the agent. He demanded to know who picked it up and what ID was used. My boyfriend accused the agent/MoneyGram of foul play. The agent did not like that and came around the counter and grabbed my boyfriend by his neck and collar. I filed a complaint about the money ( {$1500.00} ) and the physical altercation. I called numerous times and sent emails, only to be given the run around. I asked if the agent was reprimanded. I asked if my money would be refunded. I asked if the cameras could be viewed so the truth can be revealed ( XXXX  cameras are required by law in business establishments in XXXX ). I received a letter saying the case is closed on XX/XX/XXXX. The letter said I can ask for the details of the investigation. I requested the details on XX/XX/XXXX, none have been provided. I am deeply saddened that our money has been wasted and we have nothing to show for it besides a roughed up collar, scratches, and the humiliation. No one should be handled this way physically or professionally.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am disputing the accuracy of the XXXX XXXX XXXX account, as reported on my credit file. My review has identified significant compliance issues that fail to meet Metro 2 standards. Due to the ongoing inconsistencies in reporting, I am formally requesting the immediate deletion of this account from my credit report. 1. Inconsistent Payment Status : Equifax reports the account status as Not more than three payments past due, XXXX as 60 days past due, and XXXX as Account delinquent 60 days past due. The inconsistent reporting of the payment status across the bureaus is a blatant violation of Metro 2 standards, which mandate uniform reporting. If XXXX XXXX XXXX can not rectify this inconsistency across all bureaus, I demand the account be deleted. XXXX. Conflicting Worst Delinquency : Equifax lists the worst delinquency as 30 days past due, XXXX as 60 days past due, and XXXX shows 60 days delinquent. Such conflicting information is a failure to comply with data consistency requirements, rendering this account unverifiable. If a standard delinquency can not be provided, this account should be removed. 3. Erratic Last Activity Dates : The last activity date varies significantly, with Equifax listing it as XX/XX/year>, XXXX as XX/XX/year>, and no date reported for XXXX. This inconsistency violates the requirement for accurate, consistent reporting, and if not corrected, the account should be deleted from my report. 4. Irregular 2-Year Payment History : The payment history reflects 30 and 60-day late payments inconsistently across bureaus, with various months marked differently. The lack of uniformity in reporting payment history further violates Metro 2 standards and raises questions about the datas reliability. If XXXX XXXX XXXX can not align this payment history accurately, I request this account be removed. 5. Inconsistent Reporting of Derogatory Events : Each bureau displays different derogatory events, with Equifax showing 30-day lates in XX/XX/year>, XXXX showing a 60-day late for XX/XX/year>, and XXXX showing various derogatory statuses. This inconsistent reporting violates Metro 2 standards and calls into question the accuracy of the entire account.
Consumer complaint received 2024-10-26
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: EQUIFAX, INC. (NJ)

See attached Documents In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX / XXXX - account number ending in XXXX and XXXX XXXX  account number ending in XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C. 1681 ( a ) ( 4 ), FCRA section 602 ( a ) States I have the right to privacy. 15 U.S.C. 1681b-a ( 2 ) ( Section 604 A section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) 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 of crimes, ( they may only report crimes not debts ) which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate. Please also see the Certified copy of the Department of the Treasury Division of Revenue Uniform Commercial Code Section SEARCH CERTIFICATE # XXXX SEARCH CRITERIA for XXXX XXXX, the Consumer, whereas the search results stated : " NO RECORDS FOUND ''. Please have RESPONDENT prove to Affiant and the CFPB that there is an actual debt and the fact that said alleged debt is owed by Affiant when the department of the Treasury States otherwise. Resolution : Financial compensation in the amount of {$1000.00} USD per day since the inception and start of the negative reporting to current date and {$100000.00} for the fraud and deceptive practices that is ongoing and causing irreparable harm, stress, mental anguish and undue financial hardships for Affiant. Please delete these accounts properlythank you!