davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Since XX/XX/XXXX I have been reaching out to equifax customer representatives to report an unauthorized hard pull inquiries made in my account on the XXXX of XX/XX/XXXX by different creditors. 

I have spoken to more than 10 of equifax representatives with all giving different information and some being rude or hanging up on me. 

I have mailed the documents they have requested to take this hard inquiries out of my account 3times yet they say they dont get it or their fraud department didnt provide it to them.

Each time I mail this documents through USPS I track it and it shows delivered with it containing my personal informations yet each representative says they cant find it on their system but they can see the dates the documents are delivered they just cant see the informations.

They say they cant see my FTC report or letter of request or SSN card so I decided to keep mailing it over and over again. 

I sent these same documents to XXXX and immediately, I got a mail that those inquiries has been deleted from my report. 

I sent these same documents to XXXX and XXXX said I have to call each creditors myself to ask them to remove the inquires from my report as they cant do it for me. Imagine me calling over 6 creditors myself to ask them to do what XXXX did without stressing me out. 

I am very unhappy about all these and its been causing me stress and affecting my mental health. Each time I call these credit bureau I feel worst and terrible about my situation.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Bank of AmericaXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, I was informed that once I made XXXX 2015 payment, Customer Service Representatives name would be removed from my account and then I could have the funds allocated as payment instead of to principal. No one was ever able to explain why Customer Service Representatives name was attached to my account since my Trial Modification Period was over. Please explain this process that is not indicated in my Trail Modification agreement. 
I have been given numerous timeframes, from immediately after XXXX XXXX payment to XXXX days after, about when the {$950.00} will be released so that I can allocate as a monthly payment. I am constantly getting misinformation from Bank of America Customer Service Representatives and their Supervisors. Please clarify when the {$950.00} will be released and why it was applied to principal and not as payment initially. Why was I not asked what I wanted done with the money? I have asked numerous times for documentation in writing, but was informed I could not have information in writing. I would just want Bank of America to quit changing the rules to benefit themselves. Why if Bank of America is following their standard policy and procedures can I not have information in writing regarding my account? 
After much research, my Customer Service Representative informed me on XXXX XXXX, that I would not be able to move money so I could allocate as payment and it has to stay as principal. Initially I was told that the payment had been used for my XXXX and part of XXXX payment. I informed Customer Service Representative that was not correct my modification agreement dated XXXX XXXX, 2015 stated that my first modified payment was due XXXX XXXX, 2015. Why recourse do I have since Bank of America has decided they will do what they want with my money. 

I still question if this is their normal process, why no one was able to inform me initial when I questioned movement of the funds. It is obvious that I need the modification why would they assume that I did not need this money allocated to benefit me. The trail modification calculations had already been done when the payments were received by Bank of America, so they were not included but now I am being told if they move the money, it will make me behind in my payments. I honored my agreement with the trail modification, why can I not get the same honor from Bank of America.
Consumer complaint received 2024-10-08
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. (SC)

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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-05-01
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. (OH)

I filed a complaint against transunion for accounts that were reporting inaccurately. I filed this complaint through cfpb and also sent dispute via fax and mail. The complaint was filed XX/XX/ complaint # XXXX and below is the response from Transunion. 

" In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED -VERIFIED AS REPORTED NCB MANAGEMENT SERVICES-VERIFIED AS REPORTED CREDIT ACCEPTANCE CORP-UPDATED USBK COURT NORTHERN OHIO-DELETED FIRST NATIONAL CREDIT CA-VERIFIED AS REPORTED CONTINENTAL FIN CO-VERIFIED AS REPORTED FIRST PREMIER BANK-UPDATED CROSS RIVER BANK/SEED-UPDATED SELF FINANCIAL INC/ LEAD BANK-UPDATED '' There are many issues I have with this as this information isn't accurate and is hurting my credit, reputation and ability to purchase a home for my family. They reported the following accounts as reporting-VERIFIED AS REPORTED. I don't believe that anything was investigated and I would like to know the method of verification. I am not asking for another investigation I am asking that this information be removed IMMEDIATELY from my report due to this information is still inaccurate and reporting incorrectly and illegally. 

Account Name : XXXX XXXX XXXX Account XXXX -This account is reporting as an XXXX '' account. Transunion is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " XXXX '' account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date XXXX '' this item. 

They Stated that XXXX XXXX XXXX Ohio was deleted but it is still showing on my credit report. 

The time for updating is over and I want these items deleted not updated. 

I have attached my disputes from the previous complaint and my Id documents. Once again I am not asking for an investigation, I am demanding that these items be deleted immediately due to no method of verification was provided and also illegal and inaccurate reporting.
Consumer complaint received 2015-04-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Blitt and Gaines, P.C. (IL)

See Case # Case number : XXXX Please add and Re-vise- This debit which they are attempting to collect is past the amount of time to collect by Illinois law XXXX and this agency is selling-off my debit as a possible current debit with wrong info and amounts, without advising me with any info or proof. Rather they find it easier to harass by phone calls in the past- at all hours of the day.
Consumer complaint received 2024-08-27
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. (AZ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Curfin Holding Company, Inc (IL)

Ive paid my loan for XXXX and XXXX on XX/XX/23 and my balance is not {$1900.00} my balance now is {$1300.00} plus my interest so its {$1300.00} so that balance on my credit report is incorrect also XXXX points was tooken from my credit because of this not being updated! Which was took from me after I made both payments!! I will like for this Lender to update my information! Immediately like he said he would when I went up there to pay my loan and take any remarks off my account because it is being paid!!!
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been made aware that XXXX XXXX continues to violate my consumer rights excessively. I have had multiple encounters with the bank and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. This behavior constitutes dead-right fraud and violates consumer protection laws. XXXX XXXX  has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous sending of emails constitutes harassment and abuse, which is also a violation of the law. Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 

Account XXXX : XXXX
Consumer complaint received 2023-05-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For the company to do what is fair and equitable to me as a consumer by updating and removing the late payment remarks on the items that I was never late in.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

We have been doing a short sale on this file since XX/XX/XXXX and we finally got an offer that meets the lender 's minimum net based on the appraised price and after submitting it, we were told that the seller needs to file an insurance claim for the damages throughout the home or Pennymac will not accept the offer in the short sale. The seller is XXXX XXXX XXXXXXXXXXXX XXXX  and his daughter is his power of attorney and although he hasn't been in the home for the past two years, he still filed a claim over two weeks ago ( when the lender notified us about it ), as per the lender 's requirements, and the claim has been denied due to borrower neglect. Just as of Friday XX/XX/XXXX, there's now a foreclosure auction date set for XXXX and Pennymac refuses to postpone it, when the only reason we filed the insurance claim is because they required it for whatever reason. This is the first time in my experience a mortgage company has asked a seller to file an insurance claim in order to accept an offer that meets the minimum required net. Otherwise, we could have closed this by now because the title to the home is clear, aside from the mortgage. Please help us get this reviewed to accept the current offer as it meets the minimum required net. It's unfair to the homeowner that he is meeting a requirement that Pennymac set, just for them to now put him back into foreclosure. They basically set him up to get foreclosed on.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America was XXXX position mortgage on my home and failed to perform a title search and subordination agreement with XXXX lien holder XXXX XXXX XXXX XXXX. When I went to sell the home the XXXX lien holder told me they were in XXXX position as Bank of America failed to perform the appropriate title search. Contacted BOA and asked for them to process a title search and subordination agreement with XXXX. I was told to send a fax to the subordination department, which I did on XXXX XXXX, 2015. Called to follow up. Transferred four times. Disconnected from the line. Called again. Transferred three time. The final agent told me he could n't help me and did n't know where I needed to go. He asked me to start with a loan officer. One hour on hold and the bank does n't know how to file the appropriate subordination agreement and title search? This process has been ongoing for over two years in trying to get the house sold while avoiding foreclosure with Bank of America now failing to perform a title search and subordination agreement with the second bank now telling me to work with the first bank ( BOA ) and them not knowing what to do to fix the problem.
Consumer complaint received 2023-05-01
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. (IL)

Ive paid my loan for XXXX and XXXX on XX/XX/23 and my balance is not {$1900.00} my balance now is {$1300.00} plus my interest so its {$1300.00} so that balance on my credit report is incorrect also XXXX points was tooken from my credit because of this not being updated! Which was took from me after I made both payments!! I will like for this Lender to update my information! Immediately like he said he would when I went up there to pay my loan and take any remarks off my account because it is being paid!!!
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went through XXXX to receive my credit report. No problem at all with XXXX. TransUnion is another story! Once I was redirected to the TransUnion website and pulled up my credit report the website directed me to a password site ( within just a few seconds ). I was not aware of any password for TransUnion. I contacted customer service and was given a temporary to get into my account. Ahh all good, right? Not so fast! When I tried to get in to see my credit report and it gave me the message that you have accessed your XXXX free report and are not allowed more than XXXX but, I could purchase XXXX. Problem, I would n't let me access my free report. I contacted customer service XXXX more times trying to get to my report. Basically, I was told that once the page was moved away from I no longer had access to my report. Funny, their site removed me in less than 30 seconds from being in my report. When I ask if they could reset so I could get in since it was the same day. I was told to every question " No, you will have to buy XXXX ''. What a scam! Kick you out of your report so you have to pay to get XXXX. 
Note : The other agencies sent me emails with reference numbers so I could pull up my free report at anytime. 
I work in XXXX side of things, so I know what can and ca n't be done from a application standpoint. I work for a company XXXX and I know the business. When I asked to talk to someone XXXX to help get the flag reset - I was told they did n't have an XXXX department - WHAT!! Anything I requested was denied, saying you can buy a report ( get the picture? ). 
Bottom line I believe TransUnion is pulling a scam to make you have to buy a report. 
XXXX last note. The main reason I was pulling my report from TU in the first place was to get them to close a XXXX account that had been reported to the them as paid and closed in XX/XX/XXXX 2015 but, they failed to do so. I have proof XXXX they were sent the information but, never updated the account. This is affecting my credit score. When I ask the CS person if I could get help with closing this account - Ummm, yes but, you have to have your Report ID and that means I have to buy XXXX because I ca n't access my free XXXX to get that ID. Just another pointer towards a scam. I bet I heard you will have to purchase a report more that 10 times in the course of trying to get my free one.. PLEASE HELP! Why are these companies under more stringent regulations and control - they basically control our lives!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

For over one year, Citi Aadvantage M/C has been issued repeatedly ( 6-7 times ) to an individual who

accesses and changes my info online ; then uses card ( s ) to charge. My wife and I have not used the cards during this time and notified the agency many times/spoken to over 20 supervisors et al ( latest today ). We have been called by Citi supervisors regarding usage and new cards issued with promises of negation of charges including annual fee and no negative affects to credit agencies. Credit was given for annual fees to billing on cards we never even received. No notification of other person using cards under my name every given to credit agencies by Citi, though promised many times? no
correction ; rating has dropped from XXXX ( been there for many years ; do have one of the initial Amex XXXX  and other cards, mainly used ). 

Requested stoppage of person 's ability to change info via internet made repeatedly. Requested mailing of replacement cards only via certified mail made repeatedly. Never done, just promised. Very inept unconcerned employees.

Latest charges occurred in XXXX ( haven't been there for over 20 years ) while I was at home recovering from XXXX XXXX XXXX.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.