davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a copy of my credit report, and I noticed numerous accounts that are being reported with inaccurate information that is damaging my credibility. The accounts are as follows : XXXX Account # XXXX this account was opened XX/XX/year> and is reported as 30 days late, but showing on time payment history. 
XXXX XXXX  Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX Account # : XXXX this accounts Date Opened, No.of months ( terms ), date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX Account # XXXX the account status is PAID, and should not be reporting as a collection XXXX. XXXX XXXX XXXX Account # XXXX this accounts No.of months ( terms ), date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX  Account # : XXXX this accounts Date Opened, last reported, and l date last active,, are reported with different information to all XXXX credit reporting companies XXXX XXXX  Account # : XXXX this accounts Date Opened, high credit limit, last reported, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) Account XXXX XXXX XXXX this accounts Date Opened, and l date last active, are reported with different information to all XXXX credit reporting companies and has missing information XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX  Account # : XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXXXXXX this accounts account number, Date Opened, high limit, high credit limit, date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX this accounts account number, Date Opened, high limit, high credit limit, date last active, last reported and date of last payment, are reported with different information to all 3 credit reporting companies XXXX XXXX  Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, last reported and date of last payment, are reported with different information to all XXXX credit reporting companies.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-30
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. (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. 

XXXX XXXXXXXX Account # 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 XXXX5 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 2024-05-30
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 just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

1. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

2. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

3. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

3. XXXX XXXX XXXX XXXX - XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

4. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b.
Consumer complaint received 2024-08-06
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. (CA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (TX)

I purchased my home in XX/XX/XXXX and used Rocket Mortgage as my mortgage lender. I had used them in my previous purchase and did not have any issues. I have never made a late payment for my mortgage but I find myself in a situation where for the first time my mortgage payment is only partially paid and therefore late. The reason is that in XXXX I paid approximately {$10000.00} at closing to cover the XXXX taxes. This was because they estimated I would have to pay all of XXXX taxes due to the previous owner being a military veteran and being tax exempt. In early XXXX I received a refund. My mortgage was then adjusted by Rocket Mortgage in XX/XX/XXXX because they erroneously thought I was tax exempt. I spoke to a couple of representative at XXXX, one who was trying to get me to refinance in XXXX and another escrow analyst and explained that I thought they made an error. They then send me another refund check for all the escrow that had been placed in that account. I mistakenly assumed the error was due to the money I paid at closing for all of XXXX. I deposited these funds and used them to cover my childcare expenses. When went to pay my XX/XX/XXXX mortgage payment I saw that the amount due went from {$1600.00} to {$4300.00} as Rocket Mortgage is trying to recoup the escrow refunds they mistakenly sent me. I reached out to them via email with an urgent request for a call to ask to have this resolved. They did provide a solution of spread this $ XXXX over three years but that still puts my payment at {$3200.00} for the next 3 years. I expected a monthly payment of about {$2800.00} when I first purchased the home, I budgeted for this amount and signed into other financial obligations that I thought with that mortgage payment I would be able to afford. Now with inflation being so high and child care, I find myself in a difficult financial situation where I am afraid I will loose my home over the additional mortgage payment increase. I find this mistake should be absorbed by Rocket Mortgage and have tried to resolve it with them but they have pressed back that because it is property tax, it is my obligation however, the mistake on properly collecting them was on them. If I knew I would have to pay these on my own and not put my faith in them to properly collect, I would have set money aside to pay. I am putting in this complaint because I think this is predatory. I am not sure what to do next to get this resolved.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

My card was compromised more than once. I contacted my bank ( NAVY FEDERAL CREDIT UNION ) to dispute these unauthorized and fraudulent transactions and no provisional credit was given and Im being told there is no date as to when I will have to wait to get refunded this stolen money.This is unfair to me that I have to wait for provisional credit when my account was compromised. Please make sure that NAVY FEDERAL CREDIT UNION fixs this error and refund me my money immediately as required by law. Thank you in advance.
Consumer complaint received 2023-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 furnishan accountt without my written instructions
Consumer complaint received 2023-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # 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
Consumer complaint received 2023-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2024-05-30
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 : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-05-30
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 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 Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2024-05-30
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 XXXX XXXXXXXX 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 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

For the month of XX/XX/2019, apply for a loan at a bank in Puerto Rico. It was denied because an uncollectible debt of a XXXX XXXX XXXX credit card appeared, which I had closed this account more than 10 years ago. I have tried to communicate with them to give me the details of the alleged debt I made at about {$6000.00}. They can not give me information by phone because they have no way of confirming my identity, since they do not use a social security number. I must present myself to a branch and in Puerto Rico there is no presence of this bank. This debt affected my credit, debt that I never had knowledge that I had because the account was closed, must have been fraudulent charges. The loan was not approved because it affected my empiric. XXXX XXXX XXXX does not want to help me, I am XXXX years old and I have always had excellent credit, I am looking for alternatives to help me solve this issue. 
spoke with XXXX from XXXX XXXX XXXX on XX/XX/XXXX. Also with XXXX and the answers have been that I have to go through a branch for account details because they can not confirm my identity with social security or address. The phone number that appears on the system is no longer available. I can't find what else to do, I'm very worried.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I paid off my car loan with XXXX XXXX and the balance is still reflecting {$25000.00}. My Account number was XXXX and they have not updated the account balance to XXXX. They have not provided me any documentation showing its been paid in full.
Consumer complaint received 2024-05-30
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I am writing to submit a complaint against Paramount Residential Mortgage Group ( PRMG ) concerning the misallocation of funds in my mortgage account. This is includes FHA Covid-19 National Emergency Standalone Partial Claim o {$54000.00} in XXXX of XXXX DEO Homeowner Assistance Fund awarded {$49000.00} on XX/XX/XXXX o Despite receiving the both FHA Covid-19 Partial Claim and the DEO Homeowner Assistance Fund to cover past due amounts and 14 months of forward payments, I still face significant financial difficulties. PRMG sends contradicting letters and statements, claiming my account is past due in the amount of {$18000.00} and that my home may go into foreclosure??? while also stating it is in forbearance. This misallocation of funds, harassment, and inconsistency violate my rights as a homeowner.

PRMG has not provided information about programs I may be eligible for under the American Rescue Plan, the extended measures of the CARES Act that provide relief for homeowners impacted by the Covid pandemic, or the expansion of Covid-19 Recovery Loss Mitigation Options Mortgage Letter dated XX/XX/XXXX. Their actions add to the challenges that Americans face as they recover from the financial hardships caused by the long-term effects of the Covid-19 pandemic. This situation is particularly concerning for homeowners who may not have the resources or understanding of their rights, I especially worry about the elderly population and those less fortunate. 

In addition to these concerns, I have encountered difficulties accessing the equity in my home, which I need to make necessary repairs and updates, my windows and doors to be energy-efficient. 
I request a thorough review of my account to ensure correct allocation of all payments and no unwarranted charges. If errors are found, I demand a correction and an adjustment of my account balance. and would like an itemized copy of their findings once review is complete for my records. 

I kindly request your assistance in resolving this matter with PRMG and ensuring that my rights and the rights of other homeowners are protected. Thank you for your attention and assistance.
Consumer complaint received 2024-05-30
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. (MI)

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. Remove the INQUIRY WAS, 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
Consumer complaint received 2023-08-17
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX