davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (PA)

We took out a swing loan which was recorded on XX/XX/XXXX ( paperwork attached ). We paid it off on XX/XX/XXXX ( paperwork attached. We received the deed to the prperty on XX/XX/XXXX ( attached ). We received a sales aggreement to sell this property on XX/XX/XXXX. When the title was being reviewed it was brought to our attention that this loan was never properly closed and there is still a lien on our property ( attached ). We require a " Letter of Satisfaction '' from the mortgage company before we can sell our property. The setlement coordinator for our real estate company along with the title processor have contacted the mortgage company with no satisfaction. We have also made the following phone calls : XX/XX/XXXX @ XXXX XXXX  we talked for 43 minutes and were hung up on. 
XX/XX/XXXX @ XXXX XXXX  talked to XXXX for 58 minutes without any results XX/XX/XXXX @ XXXX XXXX  talked for 10 minutes without any results ( all mail boxes were full ) XX/XX/XXXX @ XXXX XXXX  talked to XXXX ( ID # XXXX ) for 24 minutes. XXXX requested we fax her the paperwork and she would review and call us the next day. We faxed her the paperwork @ XXXX XXXX. Currently XXXX has not returned our call. 
XX/XX/XXXX @ XXXX XXXX talked to XXXX  ( ID # XXXX ) for 29 minutes without any results XX/XX/XXXX @ XXXX XXXX  talked for XXXX minutes to XXXX ( ID # XXXX ). XXXX requested we fax this information which we did later that day. 
The customer service representatives say they have no information or history of this loan. We have also contacted the " Lien Release Team '' of the Mortgage company mjultiple times but have not received a call or reply of any sort. We need this " Letter of Satisfaction '' ASAP as it is holding up our sale. We already missed the first settlement date.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX reward points were moved from my account to an unknown XXXX account. I had not requested the transfer. I received an email from Capitol One on XX/XX/year> stating the points had been successfully transferred. I called immediately and said I had not requested the transfer. I was told an investigation had been opened and I would hear from a representative in 10 days. I called again on XX/XX/XXXX and was told this time these investigations could take up to 90 days and was apologized to for having received false information regarding the 10 day time frame. These rewards points ( which translate to real cash and which I earned ) were stolen from my account and I have been passed along from one agent to another, but received no real help. XXXX, which is also responsible, accepted no responsibility for this theft.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax does not have a currently working customer service phone option and I am unable to log in. I contacted Equifax by email and received no response. 

Equifax is the only credit reporting agency that does not have a direct dispute option that I can access. 

Equifax recently " updated '' my XXXX XXXX that was closed and paid off in full to XXXX XXXX as " late payments. '' This is not the case the account was paid on time. 

Equifax also has a HARD INQUIRY on XXXX XXXX, XXXX by XXXX that was not authorized and needs to be removed. 

XXXX XXXX  XXXX Payment History Changed 100 % 75 % On-time payment percentage as of XXXX XXXX, XXXX On-time payment percentage as of XXXX  XXXX, XXXX It looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
The XX/XX/XXXX status for your XXXX XXXX  XXXX credit card was updated from " current '' to " 30 days late ''.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This afternoon, I was stunned to see inaccurate accounts on my credit report, which I have no idea how they got there. I reviewed my report as usual, but this time, there were errors that made no sense. I tried refreshing the browser, hoping it was just a temporary glitch, but the accounts remained. Im asking for a thorough check of my documents to ensure I can finally have peace of mind about this.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (CO)

Hello, I am writing in regards to my relia card through US Bank. 
When I was first approved for my unemployment I was unaware that the pre paid card would look like a solicitation in the mail and I threw away my card. Once i saw on the unemployment site to look out for this card after I received it and threw it away I switched my method of payment to direct deposit. The paid to date number for my unemployment is one payment short. This was the first payment and I believe it's on the relia card. 
I've been calling the customer service number for card holders almost six hours a day for a week. They will not answer and its impossible to get a hold of them. 

Thank you
Consumer complaint received 2024-10-29
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 
1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Today I spoke with XXXX at around XXXX from the number XXXX XXXX XXXX. After identifying himself and stating that he was from portfolio recovery I told him that I didn't care to speak with him but she continued to talk. After reading off his usual spiel and me listening Patiently I told him that I was not interested in talking to him to send me letters through the mail as I had stated many times before. He ignored me and continue to harass me by stating that they were sending letters and I was ignoring them and I told him I had no time to talk to please send me letters and quit calling me. He continued to ignore me until I finally had to answer another incoming call as to where he was being harassing. They have been repeatedly calling me from different numbers with different prefixes like from XXXX area codes all hours of the day and I have to repeatedly block them. I have told them once before a while back to quit calling me with a XX/XX/XXXX debt but they will not cease calling me. This is a coronavirus pandemic and I am suffering from an underlying health condition and I do not want to talk to them about any debts right now I wish they would quit ignoring my wishes and quit calling me, being rude and obnoxious and quit ignoring federal guidelines.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Today, XX/XX/XXXX, I was deceived by TransUnion.com. At no moment, the website showed that it was a paid service. The charge to my credit card was at the amount of US {$24.00}. The Transunion.com website just displayed a button " My Credit Report & Score '' without a clear indication that the service was not free. 
Right after registering, I found out about the charge and immediately tried to cancel my subscription. The path to cancel is hidden and not easy to find. After a lot of searches, I was able to cancel the service online but the charge remained. 
I call Transunion but they were not available to resolve my problem. 
After googling the internet, I found that Transunion received a millionaire fine back in XXXX because of this same scam. 
Please, CFPB, help me to get my money back. 
And please evaluate another fine to Transunion but this time a much higher one as the company continues with the same practices. 
Just because of this Transunion scam I lost over 2 hours of my day trying to cancel the charge, without success. 


I tried to call Trans to register on their website
Consumer complaint received 2020-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2020, I closed my Bank of America Checking & Savings Accounts that I opened that week. ( see attachments ) Today XX/XX/2020, I received a bank statement from them as if my bank account is still open. I had already contacted them prior to XXXX ending and verified by phone with a customer service representative in XXXX or XXXX XXXX that my account was closed and no other accounts or credit cards, loans existed. 
I need your ( CFPB ) assistance in assuring that they've not reopened my closed account to attain any services mentioned ( loans, credit cards, business/investment accounts, stocks, healthcare, savings, bonds, etc. ) by using my name and/or social security number. ( See attachments ) FYI : Please be advised that I am not a retired military veteran/spouse or dependant of any such members by these years of my life. I am unsure why your system won't allow me to remove. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

PHH Mortgage Company Since this company has taken over our mortgage processing, they consistently delay processing payments to then show them as late. This has occurred at least 5 times in the last year. The latest payment due for XXXX was mailed XXXX. As of XXXX they had not posted the payment to our account online so we paid it again online to be sure it was not late. Now 4 days later they show it online and show it as posting on XXXX. But since we had paid online ( with an additional fee of course ) they posted it to our account as " other '' payment. They did not apply it to our next payment and they did not post it as additional principal and they have not contacted us. We have been unable to contact them. 
This continues to happen repeated since last summer. Checks apparently sit at there office and are not posted to the mortgage. When contacted they have no answers for why it takes 2 to sometimes 3 weeks for a check to reach them throught the mail and be posted. They seem to be pushing to have us pay online with the additional fee each time. 

Thank You
Consumer complaint received 2020-04-18
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. (MD)

XXXX  XXXX XXXX  Account # XXXX Friday, XX/XX/2020 They sent a bad credit report after I had spoken to them and told them that I couldn't make any payments until I get my job back ( I was XXXX XXXX   due to the Covid 19 Pandemic ). 
There shouldn't be any bad credit reporting.
Consumer complaint received 2024-10-24
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. (TX)

Subject : Dispute of Incorrect Credit Reporting Due to XXXX  XXXX Bankruptcy Discharge Dear CFPB, I am filing a formal dispute concerning inaccurate information on my credit report by XXXX, XXXX, and Equifax. I filed for XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/year>, and it was XXXX on XX/XX/year>. This was a no-asset XXXX  XXXX case, where all dischargeable debts, whether listed or unlisted, were discharged under 11 U.S.C. 727 ( b ). 

The following accounts are inaccurately reporting late payments and charge-off statuses, despite being discharged. The screenshots of the accounts are attached. 

Under 11 U.S.C. 524 ( a ), the discharge injunction prohibits creditors from reporting debts as delinquent or attempting to collect on discharged debts. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus must accurately report the status of discharged debts. 11 U.S.C. 727 ( b ) ensures that the discharge covers all pre-petition debts, whether listed or unlisted, except for specifically non-dischargeable debts.

Please investigate and update my credit report to reflect the discharge of these accounts and remove any reported late payments or charge-off statuses.

Enclosures : Copy of Bankruptcy Discharge Highlighted Credit Report showing errors Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-18
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. (TN)

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 sales and Lease, violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, Department of Education, Transunion Consumer, Transunion Interactive, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to the Transunion that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.
Consumer complaint received 2023-10-07
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. (FL)

I have filed with the Federal trade commission about this issues the case number is FTC XXXX. I keep explaining over and over this account was opened with identity theft and they failed to investigate the issues the police report number GO # XXXX XXXX was filed in the XXXX XXXX XXXX XXXX. I have given this company copies after copies and they failed to remove this off my report. I have even reached out to them personally and they still fail to acknowledge this is not mines but insists that my address is on the documents they have and my signature. But have failed to provide me with this information and have yet to see that the address they have is not the address on this so called contract. Therefore this is not even legal according to FCRA regulations.
Consumer complaint received 2024-10-24
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)

Based on, 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

You have 30 days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (IL)

The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX Inquiry : XXXX. XXXX, XXXX  + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Miscellaneous
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE!!!!!! THIS IS MY " 6TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.