davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
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. (MS)

The following accounts on my transunion credit report are inaccurate. I have filed an identity theft affidavit. The accounts are the following : XXXX  XXXX XXXX opened on XX/XX/XXXX, another loan from the same place opened on XXXX XXXX. Another student loan opened on XX/XX/XXXX. All of these hard inquires are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-22
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: United Military Mortgage, LLC (AZ)

The purpose of this complaint is to report a deceptive and misleading advertising scheme by United Military Mortgage LLC. 
" Low VA Rates '' is the DBA for " United Military Mortgage LLC, a residential loan originator. I am an attorney. On XXXX XXXX, 2016, I received the attached letter from Low VA Rates ( dated XXXX XXXX, 2016 ) which was addressed to my former client, XXXX XXXX. The body of this letter states that " Your VA Guaranteed loan at XXXX XXXX XXXX XXXX. XXXX XXXX has been selected for analysis by Low VA Rates .... Your potential new principal and interest payment has been calculated at {$670.00} per month. '' On the reverse side of the letter, Low VA Rates states that the estimate was based from data collected from public and third-party data. 

It is clear that Low VA Rates is being deceptive in its claims because a rudimentary search of public records would reveal the following : 1 ) XXXX XXXX does not have a VA guaranteed loan for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX. 
2 ) XXXX XXXX does not own property at XXXX XXXX XXXX XXXX. XXXX XXXX. 
3 ) XXXX XXXX XXXX XXXX. XXXX XXXX is in fact my office address. 

I suspect Low VA Rates simply purchased a mailing list from XXXX of XXXX former creditors and -- without doing any research whatsoever -- sent a letter claiming that Low VA Rates had in fact " analysed '' and " calculated '' the specifics of XXXX loan. This is a lie and an active attempt to mislead and deceive consumers. 

As a civil defense attorney, I see many such letters mislead my debtor clients. In my experience, the average reasonable consumer would not be able to determine that Low VA Rates ' claims were false, but would instead be led to understand that research had been done concerning the particular loan and that Low VA Rates was making a solid offer. 

I further believe that -- due to both the claims of the letter and the obvious falseness of said claims -- this deception can only be intentional. This is the sort of intentional violation and victimization that the CFPB was created to protect consumers against.
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a credit card account with Bank of America until XXXX 2015 when i called to close out my account. I specifically asked for a payoff quote on the phone and repeated out loud that I wanted the payoff amount that would zero out my account and that I did not want any more bills. I was in the process of moving out of the country for a few months and I wanted to make sure that I didnt have any outstanding debt. The representative gave me an amount. I paid that amount, and bank of america is still charging me for a remaining balance. I find the bank 's handling of my account to be deceptive as they led me to believe that the payment that I made would fully pay off my credit card. I do not believe I should have to pay. Further, if any negative information has been reported as part of this to be removed from my credit reports.
Consumer complaint received 2024-11-22
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)

Recently, I reviewed my credit report and identified several inaccuracies. As outlined under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information included in a consumer report.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), the treatment of inaccurate or unverifiable information mandates the following : If, during a reinvestigation, any disputed information is found to be inaccurate or unverifiable, the consumer reporting agency must : Promptly delete or modify the information as appropriate.

Notify the furnisher of the deleted or modified information.

Under the Fair Credit Reporting Act ( FCRA ), all items in my credit file must be 100 % accurate and verifiable. Specifically : FCRA 611 ( a ) : Requires disputed items to be fully investigated for accuracy and completeness.

FCRA 623 ( b ) ( 1 ) : States that if the furnishing party can not validate the disputed account as accurate, it must be removed immediately.

Failure to comply with these requirements constitutes willful non-compliance under 15 U.S.C. 1681n, which carries penalties, including potential litigation and damages of {$1000.00} per violation. If these inaccuracies are not corrected or removed within 15 days of receiving this notice, I will take legal action to protect my rights.

Furthermore, I am a victim of human trafficking and identity theft. Given these circumstances, I am requesting the immediate removal of the following items from my credit report : I appreciate your prompt attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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: NAVY FEDERAL CREDIT UNION (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This morning, I was shocked to find inaccurate accounts on my credit report, and I cant figure out how they got there. I check my credit regularly, but this time there were unexpected errors. I even refreshed my browser thinking it was a mistake, but the discrepancies remained. Because of this, I urgently request that the documents Ive provided be carefully reviewed so I can finally stop worrying.
Consumer complaint received 2016-12-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

I 'm dealing with Wells Fargo, back at the end of XX/XX/XXXX, about my payments going up from XXXX to XXXX. I was told that I could buy down my escrow, XXXX would bring it down, so on XX/XX/XXXX I paid XXXX .... that was to lower it for 6months. As of today I 'm still paying the higher rate and I 'm told that they can take until XX/XX/XXXX to get it taking care of, you can listen to the tapes, were I 'm told that my new payment of less then XXXX will start with my XXXX payment, but still happend.. I bought it down be used i do n't have the exter money to get it down to were I. Could pay it and still pay my other bill, so here I am having to rob XXXX to pay XXXX and no. XXXX under the tree..please help me. Oh side note I paid down my loan and told that I still have to pay pmi for 5yrs, it 's I. The loan
Consumer complaint received 2024-11-22
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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-22
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)

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 : US DEPT ED Account number : XXXX Account name : US DEPT ED Account number : XXXX Account name : US DEPT ED Account number : XXXX
Consumer complaint received 2024-11-22
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. (TX)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-11-22
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. (FL)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-22
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. (VA)

Date : XX/XX/2024, " XXXX XXXX services '' pulled my credit via Transunion and XX/XX/2024, XXXX XXXX XXXX XXXX pulled my credit as well via XXXX. These are both either fraudulent, but more-so unauthorized.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-11-22
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 removal of the following fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and the accounts and inquiries listed below are not mine. Pursuant to 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-22
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-11-22
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)

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 TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.