davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion regarding their failure to address and rectify inaccurate information on my credit report. I have attempted to resolve this issue directly with TransUnion to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows : 1. On XX/XX/2023, I first contacted TransUnion in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

2. Subsequently, on XX/XX/2023, I reached out to TransUnion again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with TransUnion, my efforts to rectify this situation were met with silence. On XX/XX/2023, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Furthermore, on XX/XX/2023, I made another attempt to contact TransUnion, seeking resolution to the unauthorized inquiries issue. However, I have received no response or acknowledgment of this communication. 

Regrettably, TransUnion has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that TransUnion addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with TransUnion, proof of the inaccurate reporting, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. 
Thank you for your time and assistance.
Consumer complaint received 2024-07-26
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (CO)

The mortgage company PHH Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has entered the home, without permission, of a deceased owner while we are processing the estate. WE notified them of the owners death and sent them a copy of the death certificate In XXXX. the owner died XXXX XXXXthey told us we had 6 months to gt the property listed for sale or get a contract on the property. They entered the home after 4 months and put locks on the doors to we can finish processing the estate. They said we had to prove we are trying to sell the house by proving we have a realtors contract or for sale signs up. I told them yes we will do that by the time our 6 months is up. they said we only have 5 months to do that, I said okay but its only been 4 months and you locked the house up! They are a call center in XXXX. they hang up on me won't send documents proving they have the right to enter the house now. I requested the forms needed to request an extension and they said they would considering offering that after I prove that the house is listed for sale. What are my options? I'm going to call the police about the trespassing. What can I do about this harassment?
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

This is linked to prior dispute which was then resolved but has resurfaced : CFPB Complaint ID : XXXX I had received {$200.00} statement credit on XX/XX/XXXX as per the letter enclosed ( XXXX, XXXX XXXX XXXX ). 

Separately, I had made a new booking on XX/XX/XXXX with Trip ID : XXXX. 

On XX/XX/XXXX, I cancelled a booking ( Trip ID : XXXX ) and was then charged {$200.00} on XX/XX/XXXX. Upon calling American Express Travel, they noted that the {$200.00} XX/XX/XXXX charge was because a statement credit was given to me on XX/XX/XXXX. I tried to explain to them that the XX/XX/XXXX statement credit for {$200.00} should not be linked to Trip ID : XXXX, rather it was a resolution for CFPB Complaint ID : XXXX.
Consumer complaint received 2024-01-14
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. (NY)

In accordance with the Fair Credit Report act. 
ACCOUNT 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. 

The next account request removed pay late. XXXX XXXX XXXX XXXX XXXX  has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

I am not liable for the debt that this collection agency is trying to collect from me. I do not have a contract with this collection agency. I requested a copy of the purchase agreement and this company failed to provide me with the document.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Bureaus need to only list my true name as XXXX XXXX XXXX or XXXX XXXX. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas. XXXX. Any other addresses or spelling is incorrect.
Consumer complaint received 2024-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Louisiana Recovery Services Inc. (LA)

I received a notice on XXXX XXXX that I had something in collections. After reviewing it, I contacted the debt collector, LRS , Inc., to get more information. I initially spoke to XXXX, who said the original creditor was XXXX. I asked for all information pertaining to this debt to be sent to me in writing. He said it was sent to me in XX/XX/XXXX, which I never received. I asked if it was sent by certified mail to which I received no response. The debt shows the original creditor as XXXX XXXX XXXX, not XXXX as XXXX stated. 

There are multiple issues with this debt. It combines XXXX medical bills ( {$400.00} & {$65.00} ) into a total of {$460.00}, which should not be reported to the credit bureau since it is under {$500.00}. 

Also, the date of service for this debt is XX/XX/XXXX. Therefore, the debt collector did not wait the required XXXX year time period before reporting the debt. 

These medical bills also pertain to a personal injury matter that is still pending litigation. I am not sure why the original creditors sent this to collections in the first place.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

XXXX XXXX XXXX from the firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) is refusing to respond to me in a timely manner, or in a clear and easy to understand manner. 

I have asked XXXX XXXX repeatedly for documents regarding this debt, which I dispute, and have been disputing for over a year. 

XXXX XXXX does not provide any response that is in any way intelligible. Instead she states " As previously stated, I am unable to give you legal advice. My office does not accept service by email or fax as stated below. " While this may be a factual statement, it does not address any of the questions I have been asking.

MJRF refuses to talk to you about the debt in question. They refuse to provide intelligible responses. They refuse to provide timely responses. If I email, my emails are ignored, or take days to be responded back, with no clear out of office.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

Today XXXX XXXX XXXX from the firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) wrote me the following email : " XXXX XXXX, I have answered your repeated emails previously. My office is in the process of responding to your CFPB complaints ; kindly refer to those responses. '' This is a false statement. 

First off, I still have not received any documentation that I have requested, nor have I received direct responses to my questions. 

You see, the issue I have had repeatedly with this firm is they will not answer questions. They also have a history of lying. 

I also have an issue with the fact that they refuse to talk with me or answer emails, phone calls, or other questions. 

I would also like to point out this is the only time I have complained about the false statements made by XXXX XXXX today, XX/XX/XXXX. She has asserted I am trying to " intimidate '' her firm by making duplicate complaints, but that is not the case. 

I am simply filing a complaint every time her firm breaks the law. 

If she would like me to stop making complaints, I would advise her to pick up the phone and talk to me, and work out how I can get the documents I need. 

I would also advise her to answer questions directly. Lying by omission is still lying.
Consumer complaint received 2024-01-14
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. (DE)

On my personal account has more than one phone number and it should be one number and that number is XXXX  My current address is one and they have many addressesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-14
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)

I have not opened accounts with these companies and have not given permission for them to open accounts or to look at my credit report please remove these accounts i have attached my notarized identity theft report along with two forms of ID my driver 's license and ss card thank you
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I'd like to refer to you the attached affidavit of service from the debt collector Mullooy, Rooney, Jeffrey, and Flynn ( MRJF ).

In the affidavit of service, the agent of MRJF states that he talked to my neighbors to determine my address, and looked through my mail to determine my address. 

I would refer you to 18 U.S.C. 1708.

Going through my mailbox and my mail to determine if I live somewhere constitutes mail theft. I have asked the USPS Postal Inspector to prosecute.

The affidavit also states that the debt collector " spoke with a neighbor who says the subject resides. '' This is a clear effort at intimidation. My neighbors should not be informed of my debt, a process server should not trespass on my property, or attempt to rifle through my mail. 

I ask the CFPB to take immediate action against this debt collector for violations of the law. 

I also want to make clear that while MJRF has accused me of filing duplicative complaints as a way to " intimidate '' them, I have not complained about this issue before as it has just come to my attention.

The complaints I am filing against MJRF represent distinct instances of where I believe them to be breaking the law, and if they would like me to stop complaining, they should stop breaking the law.
Consumer complaint received 2023-05-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (LA)

I am currently on XXXX XXXX with the United States XXXX, assigned to XXXX XXXX, Louisiana. While on XXXX XXXX I purchased a XXXX XXXX XXXX automobile. The vehicle was financed with, and mortgaged to, GM Financial for approximately {$26000.00}. Because I fell into arrears on my monthly payments ( approximately 2 months ), in XXXX, XXXX, GM Financial seized the vehicle from my residence at XXXX XXXX, Louisiana, without any notice to me and without a lawful Court Order. 

GM Financial has a mailing address of XXXX XXXX XXXX, XXXX, Texas XXXX ; telephone no. ( XXXX ) XXXX ; FAX : ( XXXX ) XXXX
Consumer complaint received 2024-01-13
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)

I have reviewed my consumer report and noticed that I have 5 inquiries on reports that I have no knowledge of I have tried to dispute items and your company doest no tale a fraudulent case serious here is the list please see attached XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  Transunion
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX reported late payments on my student loan between XX/XX/XXXXXXXX  and XX/XX/XXXX. This, of course, was right in the middle of the Department of Educations student loan payment pause which began in XX/XX/XXXX. Consequently, I could not have been 90 and then 120 days late with paymentsnot to mention the fact that loan servicers were not supposed to make negative credit reports at this time, either. 

TransUnion is the only credit agency reporting this. When I contacted them, they said I would need to contact XXXX directly as they are the only ones who can report a correction. I sent a letter ( as per their website ) and have received no acknowledgement.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX has been reporting incorrect standing on the account. This eventually led to a wrongful repossession, Ive been trying to find out further information about it and the account status but was told I do not have rights to these items as the co-owner. XXXX stated that the account has not been paid in months, yet it has and they were unable to provide all previous payments.
Consumer complaint received 2023-06-13
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. I have contact Equifax four times to remove this address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Remove off my report and add my real address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX, account opened XX/XX/. This account has been closed for years and is over 7 years old, they are still reporting it as OPEN. Ive asked that they remove it due to it being closed and over 7 years old, each time they come back and say this account is active which is incorrect. I have not touched this account since XXXX. Please remove it immediately.
Consumer complaint received 2024-05-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TN)

Requested validation of debt asking for purchase agreement, and never received any documentation. Also this company is does not have proper state licenses or registrations to collect in the state of Tennessee. A cease and desist letter is being filed per this dispute. Reporting inaccurate information to my credit report is a form of communication. All third party bureaus reporting this account I'm requesting deletion.
Consumer complaint received 2024-01-13
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)

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I took loan from Nation Star Mortgage company XX/XX/XXXX. There was PMI at that time which has a Disclosure. This disclosure reads that we can request the PMI cancellation when LTV reaches 80 % or less which reached on XX/XX/XXXX. we have been requesting the nation star to remove PMI from XX/XX/XXXX but the company is not reading the disclosure and just telling us different stories like they need new appraisal where. as in the disclosure it is very clear that all will based on the Original value at the time loan was consummated, This disclosure part of mortgageSee attached disclosure
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I would like to dispute off the following items on my credit report. 

Equifax : EQUIFAX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX