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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have dispute fraudulent information through XXXX, Transunion and XXXX for fraud inquiries, accounts and addresses. I requested that all info be verified in writing at this moment I have not received any dispute results. I asked that all accounts be verified with my signature, if this can not be given, all account must be deleted.
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/2021, Somebody send me a message by XXXX, used the name of one of my friends, ask for money that I send it by mobile ATH. I send {$500.00}. Inmediatly I call XXXX and First Bank Puerto Rico to stop the transaction but at this time they don't notify what happen with my claim and my loss of money.
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (TN)

On XX/XX/year> I disputed an incomplete account online through the CRA Experian. I noticed that the reinvestigation was completed in relatively short time. The reinvestigation was completed in less than XXXX hours. In fact, the reinvestigation was disputed and completed the same day.
Consumer complaint received 2023-12-03
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)

I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original Creditor ) # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 furnish a account with my written instructions
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-04
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. (WA)

Experian/Equifax/Transunion have used inaccurate information on the report, list goes as follows. 
XXXX XXXX XXXX Hard Inquiry XX/XX/23 XXXX  XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX Hard Inquiry XX/XX/23 Also Please remove all soft pulls and any late payments. 
The Name, as Listed should be only name on report. 
Any Other Address Besides Listed, shall be removed.
Consumer complaint received 2016-02-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

My wife and I sold our property XX/XX/XXXX. We have been waiting since that time to receive a corrected Discharge of the Mortgage that references a Modification Agreement and a XXXX Mortgage recorded XX/XX/XXXX. The original mortgage, obtained XX/XX/XXXX, was Discharged XX/XX/XXXX, post closing, but it did not include the reference to the Modification liens. The closing attorney will not release a portion of our proceeds until the XXXX modification liens were referenced in a Discharge. Subsequently, the lender, Nationstar Mortgage Company, LLC, sent a revised Discharge with a reference only to the Modification Agreement but not the Subordinate Mortgage. The lender keeps dragging its feet and has one excuse after another as to why they ca n't or wo n't reference the XXXX Mortgage. At first they said the payoff XX/XX/XXXX released both liens because they both had the same loan number, MIN number and FHA case number. Now they say they do n't have the authority to reference a Discharge for the XXXX Mortgage even though they prepared the documents. The latest tactic is to blame the Registry because they require a release of both liens and they do n't think it is required. My attorney has been working diligently with them but has lost all patience. She suggested I file this Complaint and see if it would do any good.
Consumer complaint received 2024-07-24
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: LAKEVIEW LOAN SERVICING, LLC (OH)

I obtained this mortgage XX/XX/XXXX. In XXXX I requested a loan modification. I received paperwork that belonged to a totally different person m. The home was in XXXX  XXXX over XXXX, and not in my name. All the mortgage paperwork including XXXX XXXX XXXX XXXX XXXX There was a lot of back and forth with XXXX because they didnt believe that I had this information, even though I couldve easily sent proof. 

Fast forward to now ( XX/XX/XXXX ). There is no record of my mortgage on my credit report. Not on any of the XXXX major credit bureaus. I contacted XXXX who informed me that they are reporting my mortgage, and to contact the credit bureaus. 

XXXX informed me that they were able to locate the account however it is under another persons name, my social, being reported on their report. Of course they couldnt tell me the name of the other person. 

XXXX. After them telling me to dispute it online and me telling them how if the account isnt showing up to dispute. After being transferred numerous times due to incompetence, a person looked up the account with my information and informed me that it is being reported, on another persons credit report, my loan number, my social security pulls it up, another persons name. 

At this point I didnt try XXXX XXXX 

I called XXXX back. Informed them of the information gathered. Informed the representative of the loan modification paperwork I received years ago that wasnt mine however XXXX didnt take seriously. She looked back on that year in my account, lets say without her being able to confirm that I was right, she never said it didnt happen. 

She told me to write to their credit dispute department with proof that they arent reporting ( you can pull my credit report and clearly see no mortgage is reporting ) and to wait XXXX days. 

There is no use. If they are adamant they are reporting and are not looking that XXXX. My information is on someone else credit report, XXXX my social security is out there, XXXX. I got another persons mortgage information in my safe, it is beyond working with this company. 

I been denied XXXX XXXX loans, XXXX XXXX XXXX XXXX closed my account due to me not needing credit because I am not a homeowner, and my XXXX XXXX cant get above XXXX because there isnt a mix of accounts on there due to this.
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. (ME)

In accordance with the Fair Credit Reporting act 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, 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. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (AL)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

I have been trying for over 1 year to get PHH mortgage to work with me to prove my loan to value should not have PMI. I have followed all of their steps to do this. I have offered to pay for my own appraisal and they would not allow me. I have paid their fees. I sent a payment of {$150.00} that they required from the form they sent me. It was one of the steps. They sent me a paper telling me prices have gone up and I needed to send {$40.00} more. so I did. Both of these checks have cleared the bank. I have the receipts. I have called them many times. They recently moved my case to their escalation division. The lady that was now in charge of my case is named XXXX XXXX ( XXXX ) she said I would have direct access to her. She set a appt for Tuesday XX/XX/XXXX from XXXX so we could schedule a appraisal. She promised that if she couldn't get hold of me a email would be sent. Neither happened. I tried to call the following day and couldn't get through. I left a message and still nothing. I have had it with PHH mortgage. I need help, I wish I could move my mortgage to a different company. My home is valued at $ XXXX and that is what I pay taxes on. The balance of my mortgage is $ XXXX I should not be required to have PMI.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NV)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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. (GA)

Dear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-01
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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

My information was disclosed/Shared to a third party without my permissible purpose or written consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! My Financial information was shared with XXXX XXXX XXXX without My Consent. I do not want any of my financial information shared with XXXX XXXX XXXX  in anyway.
Consumer complaint received 2023-12-04
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-12-04
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. (OR)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

THIS IS XXXX XXXX XXXX AGAIN THE LAST TIME THAT I WROTE TO YOU TO MAKE A TWICE COMPLAIN WAS ON XX/XX/2021, SINCE THAT TIME AND MORE BEFORE THIS PROCESS OF LOSS MITIGATION THAT I SEND ALL PAPERS AGAIN THE BANK FIRST BANK OF PUERTO RICO NUMBER OF LOAN XXXX. THE BANK NEVER CALL ME, NEVER SEND A LETTER SINCE A WHOLE OF MONTHS AND AND ANOTHER SUPER MISTAKE I LOST MY MOTHER AND FATHER FROM XXXX AND ALL THIS TIME WAITING AND WORKING WITH THIS SAD PROCESS AND NOTHING FOR THE END THIS BANK FROZE MY BANKING ACCOUNT JUST, BECAUSE MY MOM HAS AND MONEY ACCOUNT IN THIS BANK. NOT I MAKE ANOTHER COMPLAIN BUT REALLY ITS SO SERIOUS WITH THIS BANK TO ME BECAUSE I THINK THEY WANT TO WIN TIME TO MAKE ME A TAKE ME THE HOUSE AND I GON NA SLEEP IN THE STREETS OF XXXX XXXX SO SAD. BECAUSE I WORK TO HARD THE LAST 17 YEARS THANKS AND BLESSINGS PLEASE HELP