davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (PA)

United Wholesale Mortgage and XXXX XXXX XXXX refinanced our mortgage in XXXX of XXXX. On XX/XX/XXXX I went online to pay my mortgage as I have done every month since the refinance. I noticed that my account stated that I must pay {$10000.00} by XX/XX/XXXX or else my mortgage payment would double for the next XXXX  months. 

After contacting UWM I found that my escrow account had been in arrears and this was the reason for the need to pay {$10000.00}, none of which would go toward my principle. It happened that we had received an insurance payout from the loss of my mother no more than XXXX days prior or I would not have been able to make any payment. I was not able to pay the entire amount so I paid {$5000.00} and said that I would most likely be able to pay the rest by XXXX. At that time I was told that even after paying the XXXX, my monthly mortgage payment was increasing from {$1300.00} per month to a whopping {$1800.00} for the next XXXX  months and that a reassessment would be done in XXXX of XXXX. After making this payment my account on the website was showing that my next monthly payment was not due until XXXX of XXXX. 

On XX/XX/XXXX I called UWM again to pay the remaining {$5000.00}. At that time I was told that I actually owed {$5700.00}, and that I would need to make a payment of {$1800.00} in booth XXXX and XXXX, and every month thereafter. 

While my property taxes did go up, they only went up by {$2000.00}. Bottom line is that the title company grossly underestimated my escrow payment, without the tax increase. And the bigger problem is that UWM never notified me at any time until my phone call on XX/XX/XXXX that my escrow account was low or empty. I was told that I had opted for digital communication and that was the reason. Last time I checked email was digital communication. I have received at least XXXX emails from them since, but none since XX/XX/XXXX when I set up my online account and received a confirmation email. 

This error is unconscionable and would cause a majority of homeowners into foreclosure. There needs to be some repercussion for the title company 's careless calculation of escrow and UWM 's negligence through failure to notify me of the escrow deficit.
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 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 2023-02-22
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. (FL)

XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from TransUnion XXXX XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials. 

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments. 

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX of adverse action by XXXX from XXXX XXXX advising me of denial of an auto loan applied for on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX Florida, over XXXX  miles from where I live. This denial listed the reasons of too many work phone numbers and too many email addresses to approve the applicant. Neither which would apply to me. Knowing my credit has been frozen for a long time with fraud alerts due to excessive identity theft and I had not done any lifts any time recently, I immediately called the company listed on the letter, gathered all the information they could provide and checked my credit reports. Both XXXX and XXXX looked secure with no changes and no inquiries had been made. Neither had any freeze changes at that time either. Equifax, however, though no freeze had occurred since XXXX, showed a hard inquiry from XXXX on the date on XX/XX/XXXX. XXXX had advised that it was odd I had received this letter more than a month after the application and it had long been expired. The credit reporting company listed on this letter was one I was not aware of. XXXX XXXX XXXX XXXX XXXX Department in XXXX XXXX, CA. I located their contact information and immediately sent them an email to remove any information they had obtained on me and rescind any they had sent to other companies as it was obviously wrong by the absurd reasons listed on the letter and unauthorized recent of personal information on my Equifax report while under a freeze. I explained that I had NOT applied for any auto loan and I would be reporting this breach of privacy and data to the proper authorities. I received a response that was a request to call them. I declined and reiterated that I was under no obligation to communicate with them and had no knowledge of them or their business with me. The reply I received was borderline threatening and stated there would be an investigation and I was to be possibly notified pending the outcome.
Consumer complaint received 2023-02-22
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-11-01
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. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address TransUnion ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/year>, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : Shows a 30-day late payment in XXXX and XXXX, and a 60-day late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a 30-day late payment in XXXX and XXXX, and a 60-day late in XXXX. 
XXXX : Reports 30-day late payments in XXXX and XXXX, and a 60-day late payment in XXXX. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (AZ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
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. (FL)

You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL.

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave ( Bureau name ) any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached.

Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from XXXX XXXX XXXX XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy. 
Fairness, impartiality and a respect for my right to privacy was not extended to me.

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UMPQUA HOLDINGS CORPORATION (MA)

Regarding Umpqua Bank of XXXX, OR : Lender took on loan application knowing deadlines and conditions, then declined 8 weeks into the process, just 2.5 weeks ' shy of closing, providing superficial reasoning and zero opportunity for mitigation by borrower. I am now left with no alternate options to close in time, and will have a personal financial impact of $ XXXX due to their incompetence. Lender also refuses to acknowledge my multiple attempts to recover deposit sent, despite the decline taking place 5 business days ago. This is an unethical bank that does not have the consumer 's best interest in mind, and are a black mark on the state of Oregon.
Consumer complaint received 2023-04-17
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-17
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. (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

We open a Business account with Truist Bank on XX/XX/2022, Deposit XXXX cumple day later they tell me that my account will be closed, since that they I have txt msg with the president of the bank say she will be give me my check back and nothing yet Is been 5 month not recieved anything, they send my information to the XXXX  I don't know why, I have not recieved nothing.
Consumer complaint received 2023-02-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (VA)

I had my vehicle totaled XX/XX/2020 and my car insurance through XXXX paid off my balance immediately. I have attempted to dispute this and told them to remove it because it was paid off. They refused to remove it. Also, I was NOT given a chance to dispute this debt before it suddenly appeared on my credit reports. I have had zero contact with them and received zero notice validating this debt and had a chance to dispute it before they decided to violate my rights and ruin my credit. I dont even know what this amount is for!!! I do not owe this money and this company violated my rights and the law. The information and dates are unknown to me as well! The dispute is NOT resolved like they made a comment on the collection. This company didnt even provide me with a debt validation or proof after I disputed.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (OH)

Due to the 2017 Equifax data breach that i personally was affected by due to my credit and personal information being susceptible to identity theft hackers. This breach has affected my personal life in regards to acquiring credit to maintain and advance my living situation, employment issues and most importantly was housing issues as well. This breach has made my life extremely difficult. The cost of having to freeze and unfreeze my credit reports, the cost of credit monitoring services after this breach, dealing with the fraud and identity theft issues that has been documented through previous CFPB complaints with all 3 of the credit agencies. All these things have severely impacted my financial situation and made my life difficult due to Equifax negligence in securing consumers information. The cost of all of these things is almost incalculable, well beyond {$20000.00} this issue has impacted me in ways beyond money. I filed for the Equifax breach settlement and haven't received a settlement and punitive damages for something that i had no control over. This issue is solely in the hands of Equifax. The punitive damages is beyond and incalculable what the max amount of settlement Equifax is offering. The maximum settlement would hardly suffice.
Consumer complaint received 2024-11-01
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)

on XXXX I called XXXX about them posting a XXXX day late payment on my consumer report. They hung up on me. Later that month I wrote them to investigate my claim per 15 USC1666b timing of payments for proof in writing of late payment. they did not provide that. As per 15USC1681sec604 ( A ) I did not give them permission to report a late payment. I request that you the CFPB contact XXXX financial to remove the negative remark from my consumer report. 

Please & thank you XXXX XXXX XXXX. the late payment that XXXX refuses to remove is on XXXX of XXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MD)

I've had two fraudulent hard inquires on my credit that I did not initiate. One is from US Bank on XXXX  and the other is from XXXX XXXX XXXX. I have no idea where these come from and did not try to open any new accounts.