davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (PA)

This afternoon, I was shocked to see incorrect accounts appear on my credit report without any warning. I routinely check my report, but this time there were unexpected discrepancies that made no sense. Even after refreshing my browser, hoping it was a glitch, the errors remained. I am deeply concerned and urgently ask for a thorough review of the documents Ive submitted, so I never have to worry about this again.
Consumer complaint received 2015-11-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

In XXXX, a foreclosure proceeding was brought against me by XXXX XXXX XXXX under Index # XXXX in XXXX XXXX, New York State Supreme Court. On XXXX/XXXX/XXXX, I received a letter from the attorneys for XXXX XXXX XXXX f/k/a XXXX. informing me that I may be entitled to {$20000.00} if I agreed to a " deed in lieu ''. On XXXX XXXX, XXXX, I asked my free union legal services attorney to let XXXX XXXX XXXX know that I was interested in accepting that offer. I never received a reply to the XXXX XXXX, XXXX letter. During the litigation, I received a letter from XXXX and I sent a fax notifying XXXX that there was a title problem with my mortgage. All the foreclosure papers and mortgage documents mention house # XXXX but XXXX has no such house number and all the letters that I receive from XXXX indicate that I am the owner of house # XXXX. The building consists of XXXX ( XXXX ) attached XXXX ( XXXX ) family homes that are " connected ''. I own only XXXX ( XXXX ) of the connected homes. My neighbor who owns # XXXX discovered he really owns # XXXX not # XXXX. The foreclosure action brought by XXXX XXXX XXXX was discontinued on in XXXX XXXX. On XXXX/XXXX/XXXX, a new foreclosure action was commenced by Green Tree Servicing, LLC. I have been denied multiply loan modifications. One of the issues is that the appraisal being used for my home value, appears to be an appraisal of both house # XXXX and # XXXX making the house appear to be worth more than it really is. Even more confusing is that Green Tree has sent to me two ( 2 ) letters denying my loan modification. One letter dated XXXX/XXXX/XXXX and the second dated XXXX/XXXX/XXXX. The house value on both letters is different. I am not qualifying for the loan modification because the loan to value is not a true reflection of reality. I am a XXXX ( XXXX ) year old, single, XXXX woman who works for the XXXX. I borrowed {$460000.00} in XXXX XXXX to buy this home. I XXXX at work in XXXX, I was out of work on Workers ' Compensation and in XXXX I had surgery. The first foreclosure action was pending against me for four ( 4 ) years with no activity whatsoever by the lender. The interest ballooned to an amount that has brought the loan balance to over {$710000.00}. No matter how much income I earn through work and rental, it is not enough to qualify me for a {$710000.00} mortgage. Green Tree has put an artificially high value on the home or they are valuing the home connected to my own in reaching the various market values. 
On the denial letter dated XXXX/XXXX/XXXX, Green Tree values my home at {$720000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1200.00}. Then in a letter dated XXXX/XXXX/XXXX ( one day later ) Green Tree values my home at {$700000.00} and indicates that the Principal and Interest on a Proposed Modification would be {$1.00}, XXXX. Both proposed modification amounts I can afford with my current income. Yet, I have been denied a modification.
Consumer complaint received 2015-11-17
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Ad Astra Recovery Services Inc (CA)

I received a settlement letter from Ad Astra Recovery Services for a payday loan through XXXX XXXX stating that they were willing to settle with me on a past due balance. I contacted them and they agreed upon the settlement. I asked during the settlement process if the items could be removed from my credit report. The representative stated that it is n't something that they normally do, but she would check with her supervisor. She came back to the line and stated that her supervisor agreed to remove the account from my credit and o should see an update within 30 days. This happened in XXXX 2015 fast forward to today and the item still is n't removed from my credit reports. I called in today and spoke to XXXX who said that she did n't see the notes where the account would be removed, I asked if the calls were recorded and she said yes. I asked her to listen to the call. She put me on hold, and said she needed to speak to her supervisor. She then came back to the line and said her supervisor looked at the notes on the account and said she did n't see any notes supporting what I was telling her. I then asked well I thought you were putting me on hold to listen to the actual conversation because that would supersede whatever the rep documented if she told me one thing and then documented another. She came back to the line and said she was transferring me to the supervisor. I was instead sent to voicemail.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo closed my XXXX credit card account ending in XXXX on XXXX/XXXX/XXXX without providing me any advance notice. The problem with this is that I had earned XXXX points from purchases made with this card that were frozen that day and subsequently removed from my rewards account. These points had a cash value of {$430.00} ( XXXX cent per point ). I had no advance notice allowing me to use these points before they were revoked. In fact, I found out about my account closure by logging into the wellsfargo.com banking system and discovering it myself. A letter dated XXXX/XXXX/XXXX was mailed to me AFTER the account had been closed with the reasons cited as : Over Six Months Account Inactivity XXXX or more credit inquiries in the last 2 years on credit report Insufficient length of time accounts ( s ) on credit report has been established This card was opened on XXXX/XXXX/XXXX and had been used as recently as XX/XX/XXXX, which was just over 6 months prior to the date they decided to unilaterally closed my account without advance notice. The other reasons cited for the closure are far from anything unusual and should not have resulted in any adverse action by the bank. I was also planning on using this card for upcoming travel, where I would be able to take advantage of an annual {$100.00} airline fee reimbursement credit included with this XXXX card 's benefits. 

When I contacted Wells Fargo, they said that they would not reinstate my rewards points nor would they re-open the card without me applying as if I was opening a new card ( recquiring a credit inquiry ), but I pointed out since they just closed my account due to vague credit activity, it was unlikely they would approve me for a new account. 

I believe that the state of California prevents a bank from closing a credit card that results in the loss of rewards earned without providing advance notice to allow the account holder to use those rewards. Please at least help me get my XXXX rewards points or a check for {$430.00} from Well Fargo. I would also prefer to have the account re-opened w/o incurring any credit inquiry activity, as I have also lost the annual {$100.00} airline charge benefit without being able to use it. Failing that, I also want a {$100.00} airline fee reimbursement credit to be provided to me by Wells Fargo. Thank you!
Consumer complaint received 2015-11-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

I have a Western Union money order that was made out to me. I tried to cash this money order at a WESTERN UNION facility. They do not cash their own money orders!! It seems Western Union will gladly accept someone 's money but will not give it to the person it is made out to. 

The only place to cash Western Union money orders is at check cashing places that charge 8-10 % of the amount! I just called around. 

This is ridiculous and takes advantage of the consumer.
Consumer complaint received 2024-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year>, I submitted a formal dispute letter to TransUnion addressing multiple inaccuracies on my credit report, including late payments, unauthorized hard inquiries, account inaccuracies, and unverifiable collection accounts. TransUnion received the dispute on XX/XX/year>, as confirmed by certified mail with return receipt. I explicitly requested that TransUnion verify the disputed items directly with the original creditors, exclude third-party data sources like XXXX, provide detailed documentation, and send all responses via certified mail to my correct address. 

After receiving no response, I sent a 15-day follow-up letter and a final demand letter, both via certified mail with return receipt. Despite these efforts, TransUnion failed to respond to my dispute within the 30-day legally mandated timeframe, which expired on XX/XX/year>, violating FCRA Section 611 ( a ). 

TransUnion has since claimed to have sent investigation results via mail, but I have not received anything within their stated 7-business-day timeframe. Additionally, I discovered that TransUnion has been sending correspondence to an incorrect address where I have never lived, exposing my sensitive information to the risk of identity theft. 

TransUnions mishandling of my dispute and negligence in safeguarding my personal information have caused significant emotional distress, financial harm, and further damage to my creditworthiness due to unresolved inaccuracies. Their continued noncompliance with the FCRA and disregard for my requests have exacerbated the issue.
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have no knowledge of the account placed in collections in my name. According to the FCRA, I have the right to a fair and accurate credit report. The account in question, XXXX XXXX XXXX, Acct # : XXXX. 

I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORT as soon as possible as it is false, as well as a violation of HIPAA, part nd section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 US Code1320d-2 note ).
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2015-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

Reference XXXX Investigation Account # XXXX : This alleged debt to XXXX dating back to 2009 has been passed around among collection agencies. Their technique has been to send XXXX letter and when I do n't respond, they report it to the credit bureau. This latest is about the fourth or fifth attempt by different companies. Each time, their report has resulted in a reduction of my XXXX score, which is what alerted me to a problem. After resolution of this last complaint, my XXXX score went from XXXX to XXXX. This is a racket that needs to be stopped.
Consumer complaint received 2024-10-24
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report contains inaccuracies under 15 USC 1681c-2, with hard inquiries that I didnt authorize. Please take action to remove these unauthorized inquiries. I appreciate it!
Consumer complaint received 2024-10-24
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)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-24
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and reported by TransUnion, XXXX, and XXXX. 

According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report.

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2024-10-24
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 am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. I am requesting that the accounts listed below be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX Account No. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was looking at my credit report, and I noticed a few things wrong with the bankruptcy listed. First the account listed below should show to be included in the bankruptcy listing but they are reporting inaccurate information. 

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 XXXXXXXX Included in Bankruptcy When the bankruptcy was filed, the above accounts were part of that bankruptcy filing. Please fix, correct, and update my credit report. If the furnisher comes back and verify that the item should be outside of the bankruptcy, let me know so that I contact that furnisher and hold them accountable for reporting inaccurate information to you and the other three bureau. I know that you company will do the right thing and fixed the inaccurate account listed above.