davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRANSUNION Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with SELFINC/LEAD, which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card. 

XXXX : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor. 
Account type : Credit line secured. 

XXXX : No information reported regarding this account. 

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. TransUnion and XXXX report different balances, with XXXX listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, XXXX notes an unpaid balance reported as a loss, while TransUnion does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history.

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible. 


For your reference, I have attached copies of my credit reports showing these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MO)

XXXX  Senior Personal Lines Underwriter XXXX XXXX notified my XX/XX/XXXX that Lexis Nexis provided XXXX  an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX  notice indicates false information is being propagated by Lexis Nexis and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. They have sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or over a dozen phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' their false information without having the opportunity to see what information on me they are selling and without being able to get a copy of my credit report after 6 solid months of trying to do so. Here are the dates on which we contacted them by phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to them requesting credit report and insurance score : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, 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. (IL)

I called Transunion XX/XX/2020 I kindly asked them to remove 2 inquiries from XXXX XXXX XXXX per the fair credit reporting act 15 usc 1681, and they refused to delete the inquiries. I want CFPB TO investigate.
Consumer complaint received 2024-09-10
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. (MS)

I just recently looked at my credit report on XX/XX/XXXXXX/XX/XXXX. I noticed some hard inquiries on my credit report don't have a permissible purpose. I also attached evidence. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

2. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

3. XXXX  XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

4. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

5. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

6. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

7. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be 8. XXXX XXXX XX/XX/XXXX.1. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

9. XXXX XXXX XXXX XX/XX/XXXX.This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

10. XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

11.XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

12. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

13. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.

14. XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete the inquiry due to violation of 15 U.S.C 1681b.
Consumer complaint received 2021-01-30
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. (MS)

I started working on repairing my credit about a year ago. I have sent disputes to XXXX, TransUnion, and XXXX on a loan account for a motorcycle, with XXXX XXXX. The most recent was sent in XXXX XXXX XXXX ). They all sent back that it was Verified as Accurate. However, the account NAME does not match up .... nor do the addresses, or STATE of the creditor. It's also stating that the account was a PAID CHARGE OFF ... XXXX however one report says {$1200.00} was paid, one says {$700.00} was paid, and they ALL 3 have DIFFERENT YEARS for the closed date. This is really affecting my credit negatively, and I have tried everything I can to prove to them that it is inaccurate.
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AR)

On XX/XX/XXXX my funds ( {$12000.00} ) was deposited to PayPal account that I setup and then later ( next day or less ) -24 hours from account creation, was locked and couldn't perform any actions, anything like withdraw, send, receive, purchase, add or remove bank & credit/debit card information, or anything at all. 

They ( PayPal ) sent me a notice to submit various documents to " un-lock '' the account. I complied and submitted all correct and accurate documents asked. Including my ID, bank statement, mail with current address, reason for deposit and funds, etc. Then, they would review information and unlock account in 24 to 48 hours time. 

However, after complying with PayPal 's requests my account got permanently locked and unable to use service ever again and that I could receive a email with the information on how to withdraw my funds being held in 180 days time. On XX/XX/XXXX ( over the +180-days time ) I tried and was not successful in withdrawing my funds. 

I still am unable to do anything after a phone call to PayPal attempting in every way to resolve this issue. I am not able to withdraw funds currently despite being told to wait the 180 days and I'd be given access to my funds they reassuredly advised me, yet have not to this day. To me this is theft of funds and deceitful public consumer practices that should be unlawful due to the amount of damage caused to financially, physically, and not to mention emotionally. Of which they thrust on individuals who use their service without public consumer choice or any other available options to decline or any other choices period. 

I have lost several things due to not having any access to my funds and my current credit worsens plus other things are due to loss and will lose, because of the denied access to my funds still after complying with every demand given by PayPal. Currently given only option to now be told to wait indefinitely while financial debt mounting up on me and no means to pay debt due now due to my funds being held for a non-senceful excuse nor reason which is solely determined by them and apparently no available actions for me to take to get or receive my own funds!! Please help me!! 


Respectfully, Me
Consumer complaint received 2021-01-29
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. (SC)

On XX/XX/XXXX, per a court order, I have been paying on two accounts from XXXX XXXX XXXX  to XXXX XXXX, XXXX XXXX XXXX. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two XXXX XXXX XXXX accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors XXXX XXXX XXXX. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to XXXX XXXX XXXX Since the beginning of this, XXXX XXXX XXXX has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NE)

We closed on our home in XXXX and provided proof of insurance at that time. Loancare LLC has since sent letters requesting proof of insurance, and we have had our insurance provider provide that proof. Loancare LLC is also escrowing and paying XXXX XXXX, our current insurance provider. We confirmed today that XXXX has been paid every month since XXXX via Loancare. Loancare purchased another insurance policy in XXXX, claiming we did not have insurance and is now trying to bill us for the unnecessary insurance policy they purchased even though they pay XXXX for our insurance. Multiple calls have been placed, multiple customer service reps have claimed the issue to be resolved, yet it is not.
Consumer complaint received 2021-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I refinanced my mortgage with the same company ( Freedom Mortgage ) on XX/XX/2020. I tried to file for an insurance claim on XX/XX/2020 when a hurricane came through here. Insurance told me that I had no home insurance. I contacted the company numerous times, but before I did I purchased a new policy on the spot. I got a letter from Freedom Mortgage about a month in a half stating that I didn't have any and they were going to purchase one. I advised them what had actually happened and they were going to look into it I never heard anything. In XXXX I get a call from XXXX XXXX, Sr. Loan Advisor about another refinance and I agree, the process was ongoing thru XXXX 2020 until the last working day and someone called me and told me at the last minute that they weren't going to be able to refi and I had to make a payment for XXXX, mind you the Pandemic and economic strain we are going through so I was late with XXXX, which they in turn reported me to the credit bureau and are sticking me with a bunch of charges and threatening to raise my monthly mortgage. I have called numerous time and spoke to Supervisors an nobody cares and refuse to help me. Last supervisor was XXXX # XXXX from Escorow. I spoke to another agent previous to that XXXX # XXXX, another XXXX # XXXX and other Supervisors I can't find there names now.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FISERV INC. (MT)

Received an envelope marked Not a bill or advertisement. Important information about your Economic Impact Payment. Within is a XXXX credit card and the following statement : Here is your Economic Impact Payment Card enabled by Money Network. It contains the money you are receiving from the US Department of the Treasury under the COVID-related Tax Relief Act of 2020. It claims this card is being to you on behalf of the US Department of the Treasury in place of a paper check.
Consumer complaint received 2021-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

XX/XX/XXXX I notified the mortgage company, after I received emails over night, that said my escrow account was negative. I found 3 property tax payments were made but none for my mortgage. This was an error of over XXXX dollars. I was assured it would be resolved and I would get a phone call no later than XXXX XXXX. I was never contacted so I followed back up online and the issue was not resolved. I have called over 5 times since then each time being told the issue will be resolved and they will contact me back. They never return my call and my property taxes have still not been paid.I have talked to the escalations department multiple times and each time they assure me they will call me back because it has to be escalated but they never do and this has been happening for over a month.
Consumer complaint received 2024-10-21
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being Experian, XXXX  and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to 2013. The two credit reports posted shows XX/XX/2013 as the first late payment on XXXX XXXX, and XX/XX/2013 on Experian. In either event, XXXX XXXX has been reporting this account in a negative status for a minimum of 90 months. Accordingly, it is time that XXXX XXXX to remove my account permanently. XXXX XXXX is also in violation of its subscriber agreement with Experian and XXXX XXXX respectively. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently. 
XXXX XXXX
Consumer complaint received 2021-01-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I requested for XXXX to release the two Deed of Trust recorded against my property. The record indicated that there are two recorded Deed of Trust on my property. I have contacted XXXX more than one month ago and approximately eight ( 8 ) other times since, but XXXX has refused to provide any information as to how or what I need to do to have XXXX release the two liens or Deed of Trust that was recorded on my property. I am in the process of refinancing my home to a conventional loan and my interest rate is locked in until XX/XX/2021. However, I can not complete the refinance process because XXXX will no provide me with any information about how to release the liens or release the two Deeds of Trust recorded against my property. XXXX has transferred me to multiple departments that have no information regarding the two Deeds of Trust. I have even provided them with the two recorded Deeds of Trust information. 
XXXX purchased the loan from XXXX XXXX XXXX and now own the rights of the loan. I looked up XXXX XXXX XXXX and was redirected to " XXXXXXXX XXXX XXXXXXXX '' website. I called XXXXXXXX XXXX XXXXXXXX, and then was redirected back to XXXX. Before I was redirected, XXXX XXXX XXXX told me that XXXX is now running XXXX XXXX XXXX . However, no one at XXXX can find the two two liens or deed of trust. XXXX keeps promising me that they will resolve it in 2 days, but nothing has been resolved.
Consumer complaint received 2021-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

I received a letter stating I owe for a XXXX account I DO NOT have and I called and went into the store for XXXX and was told the account provided on the letter was NOT a XXXX account number. This is fraud and I had issue before someone tried to get a pay day loan in my name and I put a credit freeze on my report and filed a police report. I also received a letter someone tried to file unemployment in my name. This is ridiculous and not ok. I am filing a fraudulent report with the XXXX, YOu and the Federal trade commission. I work hard to keep my credit in good standing and this is WRONG. 
Someone need to do something about this company fraudulent claims. I also spoke to XXXX fraudulent department regarding this matter AFNI, Inc
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (RI)

Today XX/XX/21 I called American credit acceptance to try and pay off my loan, which is approximately {$11000.00}. I offered to pay XXXX to close the account today. They are not willing to go down a penny of what the balance is.I even tried to return the vehicle, which they told me I would still have to owe the remaining balance. I have lost my job due to COVID-19. I am still waiting to receive my unemployment benefits, so I have no income. I am a single mother of a XXXX  year old. I would like to just get this settled so the company can get their money, and I am not struggling to survive.
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accelerated Financial Solutions, LLC (GA)

ACCELERATED FINANCIAL placed negative information on my credit without notifying me first, in writing, That i had time to dispute this very old debt. 
no warnings. 
They illegally re-aged this account to 2020 and mustve added extra fees
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX bal. {$500.00}, XXXX XXXX. {$270.00}, XXXX XXXX. {$100.00}, XXXX bal. {$800.00}, XXXX bal. {$9900.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (IN)

I received ( in my daughters name ) a collection notice for a bill from two years ago from XXXX XXXX. We have never seen a bill from this company nor has our insurance been billed. Now, our insurance company has changed at my husbands work, and this will probably effect my daughters student loans.