davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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.

This same account is also reporting inaccurate information. Both credit agencies are reporting different account opening dates. Different months in which the account was paid. There is a discrepancy in the account status between one agency and the other. This violates my rights and this is inaccurate information. Also, my husband 's report for the same account has totally different information.

According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information :
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (NC)

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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (IL)

On XX/XX/2023 we received a letter from loan care stating that our mortgage payments was increasing by {$820.00} from {$1700.00} to {$2500.00} and also, that our escrow was {$6600.00} short. Prior to receiving this notice with this lump sum of over {$6000.00} we were not informed that our escrow had a shortage. After looking over the escrow analysis we noticed that there are mistakes and over estimations in our account, the taxes was estimated to be {$3500.00} which they were only {$2400.00} which is {$1000.00} less. We also, noticed that our escrow account minimum balance is {$1300.00} but we are being charged {$1300.00} a month which is double the amount of our current escrow of {$540.00} a month. As, we went over the account our taxes and hazard insurance went up slightly {$100.00} for taxes and {$64.00} for insurance. There is nothing that should cause our mortgage and escrow payments to have such a major increase. This is not the first time loancare as made these type of costly errors which can lead to unnecessary equity loans, refinancing and loss of property.
Consumer complaint received 2024-07-26
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. (MS)

NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT, NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XX/XX/XXXX I am writing to inform you that your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. This inaccurate reporting has caused severe damages to my character, reputation, general mode of living, and ability to obtain credit for personal and household purposes. Your inaccurate reporting has also damaged my livelihood. 

According to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, you are prohibited by law from furnishing inaccurate information. I demand that you cease and desist the reporting of incorrect/inaccurate information immediately.

Even if you have not received a Form 1099-C, you must report debt as gross income on your tax return as defined by the IRS. The reporting of this account as a debt is inaccurate according to IRS definitions of canceled or charged off debt as income.

You are hereby put on notice that you are furnishing incorrect/inaccurate information and have 10 days to cure and delete this erroneous account from my consumer reports. Please provide me with a Form 1099-C to show proof of the canceled debt account.

In conclusion, I have shown that you are reporting inaccurate information and have not corrected it despite being notified. Your continued reporting of this information is a clear violation of the law and your responsibilities as a furnisher of information. Please take immediate action to rectify this situation. 

Sincerely,
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

XXXX XX/XX/2022, I agreed to a COVID-19 payment deferral agreement with XXXX. 
XXXX XX/XX/2022, XXXX wrote a letter saying my new monthly payment will be increasing by over {$1000.00} to {$4400.00} to make up for an escrow shortage. 
XXXX is requiring me to make up the escrow shortage over a 12 month period. 
If the shortage was spread over 60 months rather than 12 months, my payment should go up by only about {$200.00} rather than by over {$1000.00}. 
XXXX XXXX  requires that escrow shortages as a result of a COVID-19 payment deferral agreement must have the shortage spread over 60 months ( and not 12 ).
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting this CFPB Complaint to request an investigation and correction of the following accounts on my credit file, as mandated by the Fair Credit Reporting Act. Firstly, with regard to XXXX XXXX, the balance owed is reported as past due despite the account being closed with a XXXX balance. This indicates inadequate record keeping, and I urge you to correct this immediately. Please provide evidence to support that no false information has been reported, or remove it from my credit file. Secondly, the item reported under XXXX XXXX is inaccurate, as the account is closed with a XXXX balance, yet it is reported as past due. This is concerning and could negatively impact my creditworthiness. I request that you rectify this error without delay. Please provide proof that you have not reported false information, or remove it from my credit file. Lastly, with regards to XXXX XXXX, the account history and payment status are inaccurate. A charge-off should reflect a XXXX balance, and this misinformation is damaging to my credit. Please provide proof of the last payment made, or remove this from my credit file.
Consumer complaint received 2024-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

I am writing to file a complaint against Chase regarding a fraudulent account ( Account Number : XXXX ) that was opened in my name due to identity theft. I was notified of this fraudulent account by a credit bureau in XX/XX/year>, and immediately informed Chase of the situation. Despite multiple notifications and efforts on my part, Chase has refused to acknowledge the fraud and adhere to both California state laws and the Fair Credit Reporting Act ( FCRA ) guidelines. 

**Violations : ** XXXX. **Fair Credit Reporting Act ( FCRA ) : ** Chase has failed to investigate the fraudulent account and correct the information as required under 15 U.S.C. 1681s-2 ( b ). This section mandates that furnishers of information to credit reporting agencies must conduct an investigation and report the results to the credit reporting agency within 30 days. 

XXXX. **California State Laws : ** - **California Civil Code 1785.25 ( a ) : ** Chase is required to promptly correct and update information that they determine is not accurate. 
- **California Identity Theft Statute ( California Penal Code 530.6 ) : ** Upon receipt of a police report indicating identity theft, a creditor is required to investigate the alleged fraudulent account. 

**Chronology of Events : ** XXXX. XXXXXXXX XXXX : ** Notified Chase of the fraudulent account via credit bureau XXXX. 
XXXX. XXXX XXXX, XXXX : ** Sent fax documentation to Chase XXXX including a letter detailing the fraudulent account and requesting the removal of the information, closure of the account, and resolution of any financial charges related to the account. 
XXXX. **Repeated Attempts : ** Made multiple attempts to follow up with Chase via phone and visits to a physical branch location. Representatives repeatedly refused to provide any assistance or information regarding the fraudulent account. 

**Request for Resolution : ** I request the following actions to resolve this issue : XXXX. Immediate investigation and acknowledgment of the fraudulent account. 
XXXX. Closure of the fraudulent account and removal of all related information from my credit report. 
XXXX. Resolution of any financial charges related to the fraudulent account. 
XXXX. Adherence to California state laws and FCRA guidelines in handling this matter. 

Despite my numerous attempts to resolve this issue, Chase has continuously refused to provide assistance or information. This lack of cooperation and adherence to legal obligations has caused significant stress and financial inconvenience.
Consumer complaint received 2023-03-31
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 reported in MONTHS REPORTING LATE to be removed 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.

This company 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! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-26
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

XXXX has no multifactor authentication methods for its accounts login. This is a severe security risk. Both XXXX and XXXX have some form of XXXX. There is no contact us or manner to address this posted publicly on their site. This should be a requirement and these companies to be held to a higher standard given the sensitivity of the information they hold. 

Please specify how to enable multifactor authentication for accounts? 

I will not provide account number or email as per CFPB guidelines on this comment state not to and such instructions should not depend on that info and apply to general accounts. 

If no multifactor authentication is available, provide alternative method to secure my account if available? 

I prefer to keep all communication within this channel and will not email you privately. These answers are in the general interest of the public.
Consumer complaint received 2024-07-26
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)

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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 seven 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a5 ) 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 seven years.

more than seven 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I ordered phones from XXXX via a kiosk in XXXX. I asked that the account be created from my business EIN, but my personal SSN was used instead. I was told by the rep that i would get a XXXX XXXX, an XXXX XXXX XXXX, and a XXXX XXXX XXXX. The XXXX was stolen before activated, so I contacted customer support and they blacklisted the phone. I was told that I'd have to go inside of a store and get my new XXXX XXXX, but when I visited the XXXX store, I was told they couldn't understand my notes and that they could not help me, and that its nearly impossible to switch a personal acount to a business account. I called XXXX retail support to have the lines canceled and was told that I was too late to cancel. Yet, I never received the XXXX XXXX, nor was I remembered the taxes i paid ( {$110.00} ). i returned all phones back to the retail store only to find out that my account also didnt have insurance on any phone, which i was told i would receive for {$20.00} a month for all three lines. 

To add to the insult, I was told by the XXXX  kiosk rep and by XXXX XXXX XXXX XXXX XXXX XXXX Customer Service that I could pick up my XXXX XXXX  and my XXXX in store, but I was told by XXXX XXXX XXXX reps that they couldn't honor what customer service and the XXXX  rep said I can do.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX  and 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 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 reported in months that are reported late to be removed. 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. XXXX XXXX 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! Delete the late payments from my consumer reports
Consumer complaint received 2024-07-26
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. (AZ)

I am seeking your assistance with this erroneous account appearing on my credit report. This issue has negatively impacted my reputation, and I urgently need your help to have it removed and blocked as soon as possible.