davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
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. (NJ)

First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out XXXX XXXX XXXX and faxing it to the credit bureaus ) that you report to. XX/XX/XXXX XXXX
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (PR)

To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Starting XX/XX/XXXX at XXXX I applied for a credit card with Capital One after getting approved and notified that my card was on the way I was prompted to log into an account that was fraudulently setup in my name XX/XX/XXXX. I explained that this accounts was not me and expressed that I need the account completely closed so that way I can make my own account. They stated I can not do that at the time due to customer protection not being opened. The next day at XXXX XXXX I gave them a call and spoke to the department explained the situation expressed I need to be able to log in to pay things like for the credit card I just signed up for. They stated they cant provide me with a log in or any information in reference to the account even though I gave them my full social security number to pull up the account as well as my first and last name. They refused to give me the information about the account as well as would not even provide with the last name of the people I was speaking with. That afternoon I went to my local sheriffs department gave the deputy authorization to speak on my account and they gave information, but only the last 4 of the account numbers and that in XXXX hours my account will be closed and I can recreate one to access my credit card that I just applied for. The next day on XX/XX/XXXX I called in before attempting myself they stated it was all ready and I can create another account. This is information was false as well as they kept changing when my account where closed during this process. They told me I have to wait another 24 hours and gave me the same explanation the past 2 days. Frequent told them about the situation and how all this is going on. Today I spoke with a manager he laughed when I asked to speak with his supervisor due to managers not assisting me then stated he will be the highest I can speak to. He told me he would get me transferred to a department that can assist me a voicemail played that said due to the status of your account we cant assist you and then it hung up.
Consumer complaint received 2023-12-03
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)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-02
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 has violated my rights XXXX  XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX. 

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

15 U.S.C 1681 section 604A 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 ) sections states. No consumer reporting agency may make any consumer containing any of the following items 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 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

LoanDepot has failed to deliver my escrow balance check of ~ {$3300.00} after I closed my mortgage with them and refinanced with XXXX XXXX. The loan was closed on XX/XX/XXXX. According to their customer service, two delivery attempts ( XX/XX/XXXX, XX/XX/XXXX ) were made, but I have yet to receive either of the parcels they supposedly mailed to me. 
I am very disappointed with their customer service. After multiple attempts to resolve this matter my own, I am submitting this complaint to let other consumers know how unethical this company is.
Consumer complaint received 2023-04-11
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. (FL)

A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

The home at XXXX XXXX XXXX was purchased about 22 years ago by XXXX, mother of my deceased wife XXXX. When Mrs. XXXX died in XXXX, my wife, as the beneficiary of the home and legally under XXXX XXXX XXXX was the Successor In Interest, attempted via her estate lawyer, certified mailings and multiple telephone calls, to complete whatever documents were necessary to transfer the remaining mortgage to her name. 

Repeated attempts by both our lawyer and my wife over XXXXEE YEARS failed to get the company, New Rez to forward the necessary papers for the transfer. Mrs., my wife of XXXX years, died unexpectedly in XXXX, XXXX. The documents for the mortgage transfer arrived 3 days after her death. 

Today, I am the technical Successor In Interest. I too have had multiple challenges getting to the correct people at New Rez even when I ask to speak to the person who signed the documents that arrived after my wifes ' death. That person never returned voicemail messages or bothered to call. 

Finally, a few weeks ago I received a letter that did not clearly explain the steps I must follow to make the change but clearly stated I have 30 days to act. They take over 1,000 days to act but I must act in 30. Well, I may not make that time line. Life changes when your spouse dies. I went back to work, was in the process of remodeling the house from top to bottom, started building our retirement home 100 miles from the house and really don't have the funds to hire a lawyer to do the work. 

The lack of action on the part of New Rez has cost thousands in legal fees, enormous emotional stress on my decease wife as she had to relive her mother 's death with each conversation to New Rez and we both feared some type of mortgage cancellation since it appeared that New Rez was purposely prohibiting us from securing the mortgage. We also waited patiently for New Rez to act so that we might refinance the mortgage to a rate less than half of what the rate is. 

My trust in the company is zero and I suspect that even if I send the correct forms and evidence they ask for it will be lost repeatedly so that they can ultimately try to take the house even though the check for the mortgage has had my name on them for the last 20 some years. 

I'd like some supervised guidance so that this issue gets done according to law.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Enclosed find for card ending in XXXX an email received XX/XX/2023 through our email at like XXXX XXXX  I did not nor do my wife on joint account that you have issued to cards for with different numbers that we can not even track. The purchase as at a XXXX XXXX XXXX for {$79.00} never heard of or would we use a credit card. So, first issue is we are not able to check this, second is we didnt make this purchase, third same account never had different numbers on cards and very disappointed we can not track both cards on this account since you chose to do this. 
We are married been so for 37 years and everything is joint on all other accounts and we dont appreciate you deciding to make it separate and hard for us to track. 
Next issue is of your crediting our account payments sent each month that state principal only, our balance not being reduced and we have questioned this for years. Sent number complaints with nothing be done we are including just a few for last8 months, however we want years of applying payments corrected and our account to reflect the correct amount we owe. We often paid amount for amount charged but you did not apply correctly but charged us interest no problem. we have sent them copies of the payments and amounts that they don't apply corrtectly.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (FL)

A XXXX XXXX citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution. 



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. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-06-02
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. (SC)

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 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told XXXX, XXXX, and TransUnion to reinvestigate these accounts listed above. However they stated everything was complete, and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15U.S.C 1681s-2 ( A ) ( I ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2021-10-15
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: Experian Information Solutions Inc. (PR)

I HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (SC)

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. 



XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX 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 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 2023-04-11
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: CBC Companies, Inc. (OH)

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (NM)

The original creditor told me to contact executive staff at that Bank. I am unable to call or receive phone calls. I have emailed and received email from the original creditor. However, at no time has the original creditor addressed the account and now the false reporting of a debt owed. MY XXXX ' rights have been ignored and violated. ( Before during and after all action no executive staff of the original creditor has meet with me and/or replied in kind via email. ) Only action by the Original Creditor has been requested to call knowing I can not use a phone in direct violation of America with XXXX Rights. HIPPA law and other NM State laws require alternative forms of communication be made available, this has not been the case with XXXX XXXX XXXX XXXX. -the account now reported in my name is false. Collection by The Best Service Company now reports a debt that began in XX/XX/XXXX with an amount owed as {$7500.00} past due as of XXXX XXXX. At no time have I been provided any documentation and/or contacted about this past due amount owed. I was not notified about this debt in XX/XX/XXXX. I have NOT received any documentation and/or justification for this reported debt as of this complaint XX/XX/XXXX. I have not been Affected by natural or declared disaster. I receive no notifications about this ever-increasing debt. XXXX and the XXXX XXXX XXXX XXXX have refused to address and/or provide me with explanations for this continued reporting of this ever-increasing debt AND The Best Service Company keeps inflating the amount of the debt owed without notification or justification. I am only aware of this false reporting by alerts from credit monitoring company.