davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TN)

My original XXXX XXXX  loan XXXX closed on XX/XX/XXXX for property address XXXX XXXX XXXX, XXXX # XXXX ; XXXX, TN XXXX. Between that XXXX XX/XX/XXXX closing date and the time the loan was transferred to New. Rez in late XXXX, I made approximately $ XXXX in principal and monthly mortage payments to XXXX. XXXX records the following : Our records indicate that we acquired this loan for servicing on XX/XX/XXXX. On XX/XX/XXXX and XXXX, XXXX, we received correspondence from our Secure Message Center regarding your principal payment applications and issued a response on XX/XX/XXXX. Please review the following payments applied while servicing your loan : Page XXXX of XXXX XX/XX/XXXX Re : Loan Number : XXXX CFPB Case Number : XXXX Date XX/XX/XXXX XX/XX/XXXX XXXX XXXX, 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 XXXX XXXX XX/XX/XXXX Amount {$25000.00} {$5000.00} {$5000.00} {$7500.00} {$2500.00} {$5000.00} {$5500.00} {$5500.00} {$5500.00} {$2000.00} {$2000.00} {$1000.00} {$1000.00} {$1000.00} Description Additional Principal Payment Additional Principal Payment Additional Principal Payment Additional Principal Payment Additional Principal Payment Additional Principal Payment XX/XX/XXXX Payment XX/XX/XXXX Payment XX/XX/XXXX Payment Additional Principal Payment Additional Principal Payment Additional Principal Payment The response also explained that the account was scheduled to be due for the XX/XX/XXXX payment before the service transfer to NewRez, LLC. As such, on XX/XX/XXXX, the XXXX and XX/XX/XXXX payments and the subsequent additional principal payments were reversed to the non-interest-bearing suspense account for holding. This resulted in a suspense balance of {$20000.00} and an unpaid principal balance of {$620000.00} In spite of this, New Rez continues to list my principal as {$650000.00} which is completely inaccurate. Over the past month I have tried to contact New Rez approximately XXXX times and XXXX and uploaded all of the documents they ask for, yet they still refuse to change the principal and honor the initial dates principal was paid to XXXX. I enclose the document from XXXX reflecting what they had sent to New Rez and the payments described above. I also enclose my XXXX and XXXX statements which provide the proof of payment to XXXX prior to the transfer to New Rez. Please protect me!
Consumer complaint received 2024-06-04
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. (GA)

I sent a letter XXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX  XXXX : {$300.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC (AL)

Back in XX/XX/year> I gave this company {$2200.00} for the amount of the lease a family friend who I thought was a friend DIDNT explain that I was renting a car not making payments to purchase I never knew you needed a financing company for a rental after paying this amount of money I asked a representative at the company what else i need to do to get my title he told me Ill be receiving it in XXXX so Im under the impression the car is paid for I got different things told to me from the representative at this company without notice my car was recently picked up and the company isnt trying to work with me they are asking for {$3000.00} sum odd dollars which I dont have I need help in this matter please
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-10
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX/2022 XXXX XX/XX/XXXX2022 XXXX XXXX/XXXX/2022
Consumer complaint received 2023-03-22
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 — Problem with personal statement of dispute
Company: Continental Finance Company, LLC (CA)

On XXXX the due date.. a check ( # XXXX ) was written to XXXX XXXX ( Continental Finance ) in the amount of {$61.00} ( {$1.00} over the minimum payment ). On XX/XX/XXXX I called to see if the check was cleared..the recording stated that the check was received and that I had a {$61.00} credit and cash limit available. I checked my checking account to see if it was posted..for 7 days it did not post. 

Yesterday XX/XX/XXXX I received a call from Surge XXXX requesting a payment due..I inquired of what happened to my check..I was told that the check was returned and to check with my bank.. subsequently I did so and my bank ( XXXX Bank ) stated that no check has been returned. And again I spoke with a XXXX XXXX representative. I inquired further of the check and I asked if they lost my check.. the representative insisted that the check was returned.. I then stated that I would have to send them a cashier 's check for any further payments because I could not trust them with a check payment.. ( I admit at that point I was rather heated and did hang up the phone ). Today I received a XXXX loss of credit on my report. 

I would like to have this matter resolved and my credit restored to the previous amount. And I will be forwarding a cashier 's check or money order for payment. Thank you for your attention to this matter. 

Sincerely
Consumer complaint received 2024-08-12
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: CITIBANK, N.A. (FL)

Upon reviewing my credit report Hard Inquiries were identified from : 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  These inquiries were not requested nor authorized by me. Fraud Alert and Freeze were immediately established with Credit Reporting Agency.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy federal credit union has not responded to my attempts to solve an error on my credit report for XXXX. I have contacted the XXXX  on XXXX and XXXX federal has not responded back. The XXXX  sent me a message on XXXX saying that they would send them another request for mediation. I have also contacted the office of XXXX XXXX XXXX consumer complaint on XXXX. XXXX federal has not responded to the XXXX XXXXXXXX request for an investigation into my account and credit report. XXXX XXXX has stop replying to my e-messages on the navy federal portal. And they have refused to reply to my Jams demand for arbitration. Navy Federal must engage with their customers and allow us a venue to solve our disputes.
Consumer complaint received 2024-06-03
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)

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX  : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request.

When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-10
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)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-06-04
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. (SC)

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Consumer complaint received 2024-06-04
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. (IL)

I received my consumer report not too long ago and i saw some suspicious information that was about bank inquiries on my credit report that i did not recognize me making. I called the 3 bureaus, XXXX, Transunion and XXXX. i explained to them what was wrong with my report and they specifically said they would resolve the issue and get them removed immediately. XXXX have remove them same week i called but i never saw a update on my report after a month from XXXX and Transunion, So i called again they mentioned they needed additional documents such as my ID, SSN and information about the inquiries. I sent those documents thru mail on XX/XX/XXXX of this year. and since then i have not heard anything from them and my report still remains the same. I would appreciate if you could help me investigate this further so i get this resolved. The inquiries are listed below also I submitted photos from my report up to date from all 3 bureaus. Thank you! 

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 2023-05-02
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: Experian Information Solutions Inc. (MD)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TN)

i am not liable for this debt with XXXX XXXX XXXX. i do not have a contract with NCA. they did not provide me with the orignal contract as i requested. they are also reporting this account incorrectly. this collection account is reporting not only as open but also shows a past due balance of {$920.00} according to the FCRA i have the right to an accurate credit report. please remove this account immediately from my credit report. please provide me a copy of my new credit report reflecting this account removed upon completion sincerely XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (MO)

I am filing a complaint as well as requesting the removal of the unverified account XXXX XXXX XXXX XXXX that has adversely affected my creditworthiness and overall well-being. XXXX, XXXX Transunion all XXXX bureaus violated my rights under FCRA Sections XXXX ( a ), XXXX, XXXX ( a ) Reporting inaccurate derogatory status ( " Derogatory '' ), charging off as bad debt despite discrepancies in reporting ( " Charged off as bad debt '' ), inaccurately indicating a profit and loss write-off ( " Profit and loss write-off '' ), providing incorrect payment amount ( " {$0.00} '' ), and presenting misleading payment history.
Consumer complaint received 2023-08-02
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-06-04
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. (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 : DP OF EDUC Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to file a complaint against TransUnion and XXXX stating that I did not send to correct information such as driver 's license, security card, and proof of residence. Attached is evidence that this information was sent via certified mail on XX/XX/XXXX. Transunion responded on XX/XX/XXXX and XXXX responded XX/XX/XXXX stating that I didn't not follow proper protocol. Both companies elide to the fact that it wasn't me whom did file the dispute. 

I'm requested each company update my performance information on my credit profile as mentioned in the Personal Information Update Letter.
Consumer complaint received 2024-06-04
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. (NJ)

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 XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-04
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)

I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!