davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
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: CCF Intermediate Holdings LLC (TX)

I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

Unauthorized transactions started around XX/XX/XXXX and the charges to the debit card cleared all funds from the checking account. As the checking account was cleared, the bank pulled funds from savings to cover charges in result cleared the savings account of its funds. The total charges vary from the checking and savings account amounts. 

There were several gas station and XXXX purchases : XX/XX/XXXX {$390.00}, {$270.00}, {$510.00}, {$50.00}, {$60.00}, {$60.00}, {$60.00}, {$65.00}, {$80.00}, {$22.00}, {$9.00}, {$660.00} The bank stated they did an investigation and will not refund the missing funds.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One is in possession of contraband upon which a lien has been attached under 6324 ( C ) ( 2 ) of Title 26 of the Internal Revenue Code until the Capital Transfer Tax is paid in full. They have have refused in violation of UCC 9-210 They have to show that the funds derived from the promissory note security was transferred into the trust. 26 U.S. Code 860G Defines a Qualified mortgage. Because the loan is not secured, its not a qualified mortgage. The borrower, as a 3rd party beneficiary owns the proceeds that the servicing company is holding that never transferred into the REMIC. They are qualified heirs, receiving property from a decedents estate and have not paid the tax on the proceeds. They havent posted a bond for the accountability of tax under 2032A ( E ) ( 11 ). This company fraudulently transferred the purported debt to a third party in violation of 18 U.S. Code 514 - Fictitious obligations.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX TX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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. (VA)

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 XXXX XXXX XXXXXXXX Account name : XXXX account # XXXX, Account name : XXXX account # XXXX Account name : XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 7:48 98 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 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NC)

I called Upgrade Collection debt on XX/XX/XXXX to get my hardship monthly payment amount. It was XXXX but I Paid XXXX. Never once was I advised my hardship plan was over as this miscommunication has caused me to get a 30 day late on my credit report! Please remove the 30 day late from all 3 credit bureau. I am in the process of buying a house. I called Upgrade on XX/XX/XXXX once I got the credit bureau alert thats how I found out about the 30 day late .I immediately paid the past due amount XXXX on XX/XX/XXXX. Thanks
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NC)

I have tried to dispute the account with Comenity Bank Express on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/2016. The amount owed is {$1700.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from Comenity Bank Express and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal.
Consumer complaint received 2023-09-17
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 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX 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, 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. ( 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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to complain about XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and Nevada Credit Reporting Act ( NCRA ) by reporting inaccurate information about my credit report. I have attached my credit report with the information highlighted, as well as a copy of the letter I received from XXXX XXXX. 

The inaccurate information that XXXX XXXX is reporting includes : The last verified date, date of last activity, date reported, date opened, creditor remarks, last payment, term length, and payment history. 
The attached letter directly from XXXX XXXX to the XXXX and myself also contains discrepancies. XXXX XXXX stated in the letter that " According to XXXX records, on XX/XX/2022, XXXX XXXX and XXXX XXXX entered into the enclosed loan agreement. '' However, the attached loan agreement is dated XX/XX/2022. 
Also, on my credit report, TransUnion reports that the account was opened on XX/XX/2022, but XXXX and XXXX report that the account was opened on XX/XX/2022. How could the account be opened before I signed the contact? 
XXXX XXXX also stated in their letter that " XXXX has confirmed that the XXXX account information sent to the credit reporting agencies reflects XXXX XXXX XXXX account. '' If thats the case, that means the creditors are reporting inaccurately. 
XXXX XXXX 's inaccurate reporting of my credit information is a violation of the FCRA, which requires creditors to report accurate and timely information to the credit bureaus. 

XXXX XXXX 's inaccurate reporting is also a violation of the NCRA, which mirrors the FCRA and provides additional protections for consumers in Nevada. 

As a result of XXXX XXXX 's inaccurate reporting, I have suffered the following damages : I have been denied credit. 
I have had to pay higher interest rates on loans. 
I have had difficulty renting an apartment. 
I have had difficulty getting a job. 
I have already taken the following steps to resolve the issue : I have contacted XXXX XXXX and requested that they correct the inaccurate information. 

XXXX XXXX has denied my request to correct the inaccurate information. 

I am demanding that XXXX XXXX immediately cease reporting inaccurate information to the credit bureaus. I am also demanding that XXXX XXXX remove all negative information from my credit report ASAP.
Consumer complaint received 2024-03-07
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2024 I requested Transunion unsuppress my credit report. I provided my identity documents and proof of address. 

XX/XX/2024 Transunion unsuppressed my credit report. 

XX/XX/2024 I disputed fraudulent Inquiries on my credit report. Transunion ignored the dispute claiming that it came from a 3rd party, even though Transunion has never received a XXXX party dispute on my behalf. Instead of removing the fraudulent inquiries they suppressed my file again on XX/XX/2024. 

XX/XX/2024 I again requested the removal of the fraudulent inquires from my credit report in accordance with FCRA section 605b since I am a victim of identity theft. I requested that they block the fraudulent inquiries within 4 days in accordance with the law. I sent this request via mail as well as uploaded this request at service.transuinion.com. Transunion responded claiming that the request appeared to come from a 3rd party, even though I clearly state in the request that the letter is coming directly from me. 

XX/XX/2024 I again requested the suppression of my credit report via certified mail as well as by uploading the request to service.transunion.com.
Consumer complaint received 2023-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK (GA)

We were charged legal fees on XX/XX/XXXX in the amount of {$1500.00}. We have been paying on that in the amount of {$50.00} per month. 
8 months later they started adding additional fees which is listed below We have extra fees being billed. 
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX The only thing it says is Legal Fees. I want to know what these legal fees are for and they are not explaining this. It appears as if each month they are billing Legal Fees. This is unacceptable. Every time we inquire about this, they tell us they are investigating this matter and this has been going on for 3 months now. 

On XX/XX/XXXX we spoke with Midland Mortage and they indicated that these extra fees were related to the first Legal Fees of XXXX on XX/XX/XXXX and that XXXX XXXX was the one that instigated these additional fees. They advised us to contact XXXX XXXX. We did contact XXXX XXXX and they advised that there was a delay in filing the paperwork with the courts and that they sent a copy of what they filed to Midland Mortgage. There was absolutely nothing that Midland had to do other than open the mail. They did not have to file or sign any paperwork. 

We are paying additional money per month to the principle in order to pay the mortgage off sooner and it appears that since we have started doing this, now we are being billed additional fees.
Consumer complaint received 2022-06-13
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. (MA)

I have been sending letters and notices to Transunion Consumer Solutions to get inaccurate information removed from my credit report. I previously have been trying to get Transunion Consumer Solutions to validate and verify all accounts listed on my credit report. After further review of my Consumer Report all the accounts that are being reported have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which is a fact makes the reporting of all the accounts on my Consumer report inaccurate. This is in my second CFPB Complaint the week, the inaccuracies on my Consumer Report are cause me mental anguish and I hope I wont be discriminated.This is XXXX up how I have to send letters and make complaints about this XXXX. I hope no one else has to deal with this XXXX. I have a family, and I have been hurt by COVID. Having my information being reported on my Consumer report inaccurate is not fair to me.
Consumer complaint received 2023-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

The co-borrower and I have requested in 2 separate official occurrences to have escrow payments removed per being under 80 % LTV on the property. We have been denied twice, elevated to some level of management per the last submittal to remove escrow ( for a 3rd attempt, recently denied ). The first occurrence was denied due to not having an in-house appraisal on file ... This was erroneous as they just ordered an in-house appraisal to remove PMI insurance due to being under their requirement of 80 % LTV. Which was approved in XXXX of XXXX. The in-house appraisal order by PennyMac had a confirmed appraised value $ XXXX, currently mortgage balance of {$150000.00}, subsequently placing current LTV at 66.8 %. Thus, we submitted again ( 2 attempt ) to be denied again and elevated to management per our request as stated in the aforementioned for the 3rd review. We then were denied essentially a 3rd time as it was conveyed because the mortgage is deemed an investor mortgage and as a result, the original purchased price ( $ XXXX ) has to be used. Current LTV would then be placed at 85.9 % based on using the original purchase price. Hence, per their opinion, the mortgage and home value ( original purchase price of $ XXXX ) would not result in the removal of escrow payments, given the LTV guideline to remove escrow payments related to the perpetual requirement of paying one 's required real estate taxes for the borrower has not been met. My concern is their policy is not congruent with previous policy requirements. As they used the new appraised value to remove PMI but not for escrow. Certainly, feels egregious and not client friendly nor consist with one 's own policy, PennyMac 's policy to be clear ; to assess and opine on a tangible market value across their portfolio for various mark to market requirements/governance.
Consumer complaint received 2023-09-17
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 have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 15 USC 1681 Section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ), States that 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 or crimes which antedates the report by more than seven years.

15 USC 1681e-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer relating toto a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

These innaccuracies are preventing me from obtaining credit and other esstenial needs to provide for my family and I.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-09-17
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. (GA)

In accordance with FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX Account # XXXX I demand the above aforementioned account be removed immediately. I have read from FTC & CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should not have been noted as foreclosure initiated or should reflect past 90 days delinquent. I also understand you have 30 days to complete this investigation. 

The above aforementioned account never foreclosed. The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, not FORECLOSURE INITATED in the Remarks field. 0 should reflect in the Past Due -90 days field.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

LexisNexis/ ( Report # XXXX Case # XXXX ) refuse to remove inaccurate information from my credit file such as the wrong name XXXX different address 's that does not belong to me. they are also reporting a public record that is inaccurate and can't be verified. I have contacted LexisNexis and disputed the inaccurate information. LexisNexis responded with a written letter saying that they verified the information with XXXX and it was accurate, however the name that they are reporting is not my name nor did I reside at the address 's on my consumer file. XXXX XXXX XXXX is not my name XXXX is not the last four digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information such as the wrong Name, Social Security Number, and! XXXX different address 's i never resided at. I have contacted XXXX and filled disputes on the Identity mix up. They responded saying the information was verified and accurate, but it's not the name my parents gave me nor is it my Social Security Number That was assign to me. XXXX XXXX XXXX is not my name and XXXX is nit the last XXXX digits of my Social Security XXXX. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information from my credit report such as Public Records that they refuse to verify. I have disputed the information and they responded in a written letter saying that the information was verified through LexisNexis and it was accurate. They also have XXXX different address 's on my credit file that has nothing to do with me. I filled a dispute letting XXXX know that it was Identity theft that occurred between XXXX I received a written notice saying the information was verified and accurate. They have used their power to report misinformation on my credit file. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information on my credit file. They are reporting debts from XXXX XXXX that was verified as inaccurate and removed by XXXX, XXXX stats that the debts were verified as accurate. They are also reporting a Public Record on my credit file that they refuse to verify, and give me the information they did verify. XXXX has XXXX different address 's on my credit file that they claim are verified as accurate, I have never lived at the address 's and sent proof to all XXXX XXXX XXXX.