davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PNC Bank N.A. (CO)

On XXXX I took out a mortgage loan for {$150000.00} to buy a house from XXXXXXXX XXXX. Somehow, XXXXXXXX XXXX added a PMI ( personal mortgage insurance ) policy to my contract even though I was beyond well qualified for the loan and did not need one in the slightest. Upon being approved for the mortgage I set up autopayments so I would never miss a payment. When I realized they had swindled me into a PMI policy that cost around {$37.00} a month, I called to get it cancelled but they said I could not opt out of the policy until I had made payments for a couple of years ( I recall two years ). I was upset that they had swindled me but felt I had no choice but to wait a few more months to opt out. 

While I was waiting, I left the country on an unplanned trip from XXXX to XXXX. I had my mortgage on autopay so I was confident it would be taken care of and I planned to cancel the PMI policy after the two year waiting period ended. 

On XXXX, ( right at the conclusion of my two year PMI waiting period ) XXXXXXXX XXXX  sold my loan to PNC Bank. PNC Bank then discontinued the autopayment arrangement that I had been relying on to make my payments. As I was not in the country and had issues with my mail forwarding service, I had no idea that my loan had been transferred to PNC or that they had stopped processing my autopayments. When I found out what had happened, I immediately paid the due balance and reinstated autopayments. 

Now the problem... I had waited the two year period to be eligible to cancel the PMI policy but PNC refuses to let me cancel the policy because they say I had a late payment for XX/XX/2023. I think this is wrong because the payment arrangements were in place and the funds were readily available for them to withdraw. PNC just neglected to take the payment I had arranged for them to take. It's quite the coincidence that they stopped my autopayments right when I would be eligible to opt out of the PMI. 

Really, there is absolutely no reason for me to have had to carry PMI at all as I am not an at-risk borrower in the slightest. I feel arrogant writing this, but the loan is a very unsubstantial amount for me to have borrowed. From the day I took out the loan to today I have had an XXXX credit score and enough liquid assets that I could readily pay cash for the property several times over. I have 6 other properties valued at well over XXXX XXXX dollars. There is absolutely no rational justification for why I should have ever been obligated to carry a PMI policy on a XXXX XXXXXXXX loan. There is 0 % chance of me defaulting on the current {$140000.00} balance. I'm being swindled with unscrupulous business practices. Even if I can afford it, I shouldn't have to pay for a service that I don't need, don't want, and have done everything in my power to cancel. They sabotaged my payment record to prevent me from being able to cancel the PMI.
Consumer complaint received 2024-05-17
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 reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have always paid this account on time and have never let any payments become overdue. I don't understand why there are reports of late payment remarks on my accounts. As per 15 USC 1666b, such billing errors should be corrected.
Consumer complaint received 2024-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report as provided by XXXX, XXXX and XXXXThis dispute is made under my rights as provided by 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).

Account Information : Wakefield & Associates
Consumer complaint received 2024-05-17
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. (NC)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been receiving calls from a private number from the same female saying she was with XXXX XXXX telling me that I will be sued on a time-barred debt if I do not make a {$5.00} payment by calling XXXX, she goes on to say that as long as I make at least a {$5.00} payment, that they would be willing to settle for 10 % of the account balance over a 6-month timeframe and that if I did not make that payment, The calls started on XX/XX/2024 and I received a total of 4 calls up until XX/XX/2024. She was adamant that I had to call that other number and that she could not take the payment through the instant phone call. I have verified that the number I was given is a valid number for XXXX XXXX. If I were to make a {$5.00} payment, this would re-age the account causing the date it would drop off of the CRA 's to extend back to 7 years. This is a deceptive and fraudulent tactic to trick me into making a payment that would trigger a re-age. Because the caller was blocking her number, this would indicate they do not want to be identified. Therefore, there would be no documentation that they called me, nor a recording of the phone call. It would simply look like I made a payment, and this Company would be able to continue to report this on my reports. I believe it is a XXXX XXXX employee trying to affect a payment illegally and in violation of Federal Law.
Consumer complaint received 2024-05-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX **To whom it may concern : ** I am writing to express my severe disappointment and frustration with XXXX 's handling of my credit disputes. Your recent response stated that the accounts listed on the FTC report were not present on my credit report. However, upon reviewing my most recent credit report, I found that the XXXX XXXX XXXX and XXXX XXXX accounts are still listed, contrary to your assertion. 

# # # Reinserted Items : XXXX. XXXX XXXX XXXX - **Account Number : ** XXXX - **Status : ** Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/XXXX. 
- **Balance : ** {$7900.00} - **Date Reported : ** XX/XX/XXXX - **Remarks : ** CONSUMER STATEMENT LITIGATION PENDING. 
- **Payment Status : ** Collection/Chargeoff XXXX. XXXX XXXX - **Account Number : ** XXXX - **Status : ** Account charged off. {$4500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
- **Balance : ** {$4500.00} - **Date Reported : ** XX/XX/XXXX - **Remarks : ** CONSUMER STATEMENT LITIGATION PENDING. 
- **Payment Status : ** Collection/Chargeoff These accounts were previously confirmed as deleted following my disputes, as documented in the following CFPB complaints : - **CFPB Complaint No. XXXX ( XXXX XXXX XXXX  ) - **CFPB Complaint No. XXXX ( XXXXXXXX XXXX ) Your failure to accurately maintain my credit report and the reinsertion of these accounts without proper notification is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). This incompetency has significantly impacted my credit score, causing undue stress and suffering in my personal and financial life. 

I demand that these accounts be immediately deleted from my credit report within 24 hours. Your prompt action is required to rectify this situation and to prevent further harm to my credit standing. 

I am enclosing copies of the relevant documents, including the recent XXXX response, the latest credit report, and the CFPB complaint responses confirming the deletions. I am keeping detailed records of all communications regarding this matter. 

Please investigate this issue promptly and confirm in writing that these negative items have been permanently removed from my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.

Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-05-17
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. (VA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2018-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was a computer glitch in TransUnion system that deleted all inquiries from my TransUnion credit report. This problem was TransUnion and not caused by me or any actions of mine. This glitch happened in XX/XX/XXXX and also in XX/XX/XXXX. TransUnion then later added all the inquiries back on my credit file without giving me the legal required written notice of 5 days prior to re-adding them to my report. I contacted TransUnion on XX/XX/XXXX in good faith to ask them to delete the inquiries that they illegally re-added. The representative would not remove the inquiries even though he admitted that the glitch happened. These inquiries bring my credit score down and add a hardship to my credit potential. It is clearly a violation of my rights by TransUnion and a clear disregard of protocol. Please help in stopping TransUnion from victimizing citizens. As a resolution I am asking that TransUnion delete all inquiries from my credit report permanently due to the violation that took place when they were illegally added.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-17
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. (NC)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF ED XXXX  XXXX # XXXX, Account Name : US DEPT OF EDUCATIONXXXX # XXXX, Account Name : 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 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC (LA)

I purchase a vacuum with XXXX  through PCI and have not finished paying for it during my hard ship. I purchased 1 vacuum on my credit theres 2 accounts for each XXXX I called PCI and was told that it was charged off. Why is it still on my credit as XXXX amounts in sum of XXXX. This PCI company is a scam with XXXX XXXX cleaners. I was told I sell XXXX vacuum and do my demos i would get free. I never received anything free. Not even a fragrance. I was supposed to get mop set, shampoo set free along fragrance and trip. I received my trip through mail after the first was lost in mail So claim. My trip papers came in as expired. Now Im stuck with vaccum I did all my sells and demos along with this on my credit TWICE!! This is not acceptable and not fair.
Consumer complaint received 2024-05-17
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 know that FCRA 605B requires us to remove any incorrect accounts from my credit report. This is being reported inaccurately on my credit file, please remove this from my credit report. I should receive a {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (IL)

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed.

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights.

Thank you for your prompt attention to this serious matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.