davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-23
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 identity theft and to request immediate action regarding fraudulent accounts and inquiries that have appeared on my credit report. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit file : Fraudulent Accounts : 1. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$660.00} 2. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} 4. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} 5. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} 6. XXXX  - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$450.00} Unauthorized Credit Inquiries : 1. XXXX  Date of Inquiry : XX/XX/XXXX 2. XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-11-23
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. (CA)

Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent inquairy in my credit report ( XXXX  XXXX XX/XX/year> ) please remove that frauddulent inquiry in my credit reporti
Consumer complaint received 2024-11-23
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. (OH)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of Auto Financing Companies XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. Another fraudulent inquiry, consist of XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (FL)

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 XXXX business days after the date of receipt. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-17
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. (LA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-23
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)

Sent letters in XX/XX/year> asking for amount of payoff of the car never received information back than another company has my debt and I know nothing about them or knew they was selling my debt and they wouldnt communicate with me or send proof of amount of what is suppose to be owed
Consumer complaint received 2024-11-23
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. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX 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  I have submitted letters to each bureau listed above proving the inaccuracies on my report via certified mail. Be advised that I have received a computer-generated letter stating that I have ceased investigation of my credit reports because they believe I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on their part to grant them an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( above listed bureaus ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between their company and me.
Consumer complaint received 2015-07-14
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have opened an Equity Line of Credit with Bank of America about 2 years ago. I live in NJ, so the local laws state that the bank can not impose a prepayment penalty on any mortgage loan. When I was signing the HELOC contract the bank included a statement that if the line is closed within 3 years I would be subject to the prepayment penalty of {$450.00}. I questioned that statement and asked the officer to remove it but the closing officer told me that the bank has standard closing forms for all the states and it does not alter it for the individual states. However, when the issue arise they abide the local laws, so in NJ the prepayment penalty would not apply. I signed the contract without further insisting on changing that part. Recently, I negotiated a better mortgage rate and decided to refinance my mortgage. In the process, I did not have an option to keep my HELOC with BoA open, so it was required to be closed. As a result, BoA charged me {$450.00} of the prepayment penalty. I contacted BoA and explained that I 'm being penalized for refinancing my mortgage. I pointed out that in NJ the banks are not allowed to charge the prepayment penalties but in response the BoA representative told me that in their opinion the definition of mortgage loan in NJ law provides enough gray area that they do not feel the laws would apply to HELOC. I explained that HELOC meets a full definition of a mortgage loan:1. A loan secured by a lien on the property. 
2. The document specifying the terms and conditions of the repayment of such a loan. 
3. The repayment obligation associated with such a loan4. The lien on the property associated with such a loan. 
BoA has been avoiding my calls. I spoke with the branch manager but as he said " did not want to get involved '' and referred me to the central HELOC Department, which is the same Dept that has been refusing to refund the prepayment penalty they charged me. 
I will greatly appreciate your assistance.
Consumer complaint received 2016-02-09
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION (TN)

My family had to put my dad into XXXX. He vacated his house on XXXX XXXX, XXXX. It 's XXXX XXXX and we 're still trying to work with Financial Freedom, the provider of the reverse mortgage on the property, to sign over the house. Financial Freedom has been impossible to work with : 1 ) Even though they throw around terms like " Single Point of Contact, '' we have never had a dedicated representative to work with. 2 ) It took five months to get them to recognize that the property was vacated. 3 ) It has taken three months to get the right forms to start the Deed in Lieu process. 4 ) Every time we call to get an update, we 're told conflicting information. Meanwhile, my dad is paying for utilities and insurance for a house he has n't lived in for ten months.
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (LA)

My student loan is serviced through Navient. Navient makes calls to my children and spouse disclosing personal/ private information through voice mails. They have obtained cellular phone numbers to harass. I would like this harassment to cease. They make it really difficult to attend to this matter through this collection harassment. I am fearful that speaking with them will only strong arm me into a situation I can not manage. This is out of control now from past collection activities which recommended only forebearance as options. I had a XXXX loan which is now over XXXX . Please advise.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Type Energy Account Name Account XXXX Other Date XXXX XXXX, XXXX Status Closed No Missed Payments Balance {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$95.00} Payment Status Current Worst Payment Status Current Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Account closed by consumer Payment History XXXX OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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. (AL)

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, AL XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] [ CEO : XXXX XXXX ] [ ] [ Company Address : XXXX XXXX XXXX, ] [ City : XXXX. XXXX XXXX : MN, ZIP Code : XXXX ] Dear [ CEOs XXXX XXXX ], I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Amount Charged Off : [ XXXX ] I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mid-Michigan Collection Bureau (MI)

I obtained my credit reports and Mid Michigan CB was on their showing negative on my credit report. I do not know who these people are. I have sent them a certified letter to provide me with proof of both accounts XX/XX/2016 which i provided you with this letter that is attached.. Also in my letter I told them I am also exercising my right under FDCPA to dispute the alleged account and demand validation from them.They have gave me nothing
Consumer complaint received 2016-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (NH)

Pulled directly from Great Lakes Borrower Services Website : How Payments Are Applied " However, when it comes to extra payment amounts ( see examples below ), after all interest and late fees due have been satisfied, we automatically apply the extra amount to the unpaid balance on the loan with the highest interest rate ( if there are multiple loans in your account ). If you do n't want the extra payment amount to be applied this way, contact us. If you, instead, want an extra payment amount to be applied to a specific loan, you must provide us with the loan 's account number and interest rate. '' I was a XXXX major and currently work for XXXX XXXX. I state this so that my concern may be taken a bit more seriously as I 'm sure you receive unmerited complaints all the time. Their are multiple issues at play here, but I will start with what I assume to be the most common. I am currently in repayment on XXXX loans with this lender ( technically it 's XXXX XXXX XXXX ), XXXX has a 8 % interest rate and the other 8.375 %. I have all of my amortized interest paid and so only pay monthly accrued interest. I overpay each month in order to further deplete the principal balance. As the quote states above all extra payments will be applied to the higher rated loan. THIS IS NOT TRUE. I have been informed by multiple service representatives that I need to continuously call in to request that my over payments be allocated the way that I prefer and that if I do not than they will be applied proportionally to each loan. XXXX off that is not how it should be because the borrower is at a loss in this case. XXXX that is not how they advertise on their site which is fraudulent as well. I have been happy that they are willing to prorate my payments and make the adjustments that I prefer, but I ca n't imagine many graduates thinking this way nor looking into it. Please Help!
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AR)

My first mortgage is with Ocwen servicing, I 've gotten behind in my payments. I 've requested a mortgage modification with Ocwen. I faxed the modification request and financials. 
I 've recently had XXXX surgery and was off from work. I want to keep my home. 
I 've submitted financials and a modification request. There is a property foreclosure set for XXXX XXXX please postpone the sale and modify my mortgage.
Consumer complaint received 2016-03-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation (LA)

Being in between jobs, I fell behind on my bills including this installment loan. I found a job 30min from my town and with luck, it 's right next to the company that I have an installment loan with. 
I finally received a check where I was able to catch up on paying money towards getting current on XXXX/XXXX/16. That very same day, my boss took me to the back to speak with me, she told me, and I quote, " I do n't mean to get in your personal business but you really need to pay World Finance or they 're going to start garnishing your wages. '' I was surprise that they would talk to my boss about my account because I have been keeping communication about my account to the girls that work there at World Finance. My boss told me that they branch manager informed her about my account. 
I explained to my boss that I planned on taking care of that today due to receiving a bonus and raise. 
I walked next door, spoke with the branch manager, who is responsible for my Branch manager having detailed knowledge about my personal business account. She then denied any accusations and blamed it on the Branch Manager, in office of where I live. I proceeded to make a payment and told her that I feel betrayed at the fact that I was keeping communication with her and that she went to my boss about this instead of me.
Consumer complaint received 2024-11-23
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. (MD)

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts have appeared on my credit report. I am requesting that these accounts be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-12-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

Student Assist Corp keep calling. I do not have any student loan since not a student for decades. They keep calling by getting my phone from phone directory. They left message to call them back at XXXX. They call two or more times and daily.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Alabama Housing Finance Authority (WA)

ServiSolutions, the mortgage servicing department of the Alabama Housing Finance Authority, wrongfully foreclosed on homeowner XXXX home located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. ServiSolutions failed to timely renew the homeowner 's insurance, then forced-placed more expensive insurance, and then failed to mitigate unnecessary foreclosure by failing to work with homeowner to apply for loss mitigation. Homeowner is XXXX and lived in his home with his XXXX son.
Consumer complaint received 2024-11-23
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. (IL)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these entries be removed from my credit profile. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Unauthorized Inquiries : XXXX XXXX A - XX/XX/XXXX XXXX - XX/XX/XXXX Positive Accounts ( Do Not Remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX