davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (MI)

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.

has violated my rights. Or a 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 2024-05-17
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. (DC)

In accordance with 15 USC 1681b ( 2 ) Permissible Purpose of Consumer Report Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. Which is me the consumer XXXX XXXX XXXX. I have never given permission to any Consumer Reporting Agency. 

As a Federally protected consumer I have been violated by XXXX and Equifax. I have never given written instruction to XXXX or Equifax permission to furnish any of the accounts listed below. 

XXXX. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX XXXX Acct. XXXX XXXX. XXXX Acct # XXXX
Consumer complaint received 2023-12-19
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. (OH)

This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned.

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This is a notice. 

Thank you for your time,
Consumer complaint received 2023-12-19
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. (MI)

I am writing to file a formal complaint regarding the persistence of inaccurate information on my credit report, specifically an incorrect address and an erroneous collection account. 

Despite multiple attempts to rectify this matter, the credit reporting agency has failed to remove the inaccurate information. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to have inaccurate information promptly corrected or removed from my credit report. 

The incorrect address listed on my credit report is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX I have made diligent efforts to contact the credit reporting agency via mail to rectify this situation. However, these attempts have gone unanswered, and the incorrect address persists on my credit report. 

Additionally, I have reported an erroneous collection account by the name of XXXX XXXX XXXX, and despite my multiple attempts to have this removed, it remains on my credit report. I have records of these disputes and the requests I have made. 

I request the immediate removal of the inaccurate address and the collection account named XXXX XXXX XXXX from my credit report, in compliance with the FCRA provisions. 

Enclosed with this letter, please find copies of all relevant documentation supporting my claim, including proof of my correct address. 

I urge your prompt attention to this matter and request your assistance in resolving this issue swiftly.
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: EQUIFAX, INC. (IL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-19
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)

It should be known that due to a data breach from XXXX XXXX XXXXXXXX, my personal info. Was obtained and attempted to be used for fraudulent intentions. Due to data breach, I was subjected to identity theft where some unknown person tried to apply for credit in my name. As of now no accounts were opened and only hard inquiries are a result from data breach and identity theft. I have contacted most of the companies about the hard inquiries and was told to contact the credit bureaus. The credit bureaus assert to contact the companies. All are passing the buck. A letter from XXXX XXXX XXXX is incorporated as to the data breach. A copy of poli XXXX report is herein included for review. Finally, a identity theft report from the Federal Trade Commission is also included for review. All procedures have been properly followed and the consumer request that all bureaus remove said inquiries due to data breach and identity theft because he did not authorize them and is suffering adverse affects from them. Under federal law, the bureaus are required to remove or block them within 4 days. There are 3 hard inquiries at transunion. There are 6 hard inquiries at XXXX. Finally, there are 6 hard inquiries at XXXX. Only XXXX is to remain with XXXX. The consumers full name is XXXX XXXX and his d.o.b. is XX/XX/1973. The last 4 of his social security number is XXXX.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called XX/XX/2023 to see why I got a returned mobile payment and why I got {$25.00} Late fee for the returned payment. I had to submit a new payment because of that. I asked if I could please get the {$25.00} Late fee waived off and they said no I couldn't but they did not say why. So I asked for a supervisor and spoke to supervisor by the name of XXXX ( Agent ID XXXX ) and she also refused and say no and did not tell me why. I am very upset by their customer service because I always make my payments on time and never get fees or interest fees so I am a good customer. I never asked for fees to be waived off and they could of done it as a one time. I am also going through financial issues so I can not pay more money.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. 

For the last time please take a look at my attachment and follow along : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as two seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? 
2. How can you say you call the company and verified reporting inaccurate information? 
3. How can you close the same account twice at the same time on a credit report? 


Item # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never have an account or done business with XXXX XXXX XXXXXXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXXXXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. 

Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 
Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
Consumer complaint received 2023-12-19
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX and I'd like to file a complaint against XXXX, Transunion and XXXX and all the secondary bureaus. They have my or had my complete consumer file under the wrong name alltogether. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. With that being said, I'm requesting that : XXXX ) My name is uptated on all XXXX bureaus. 
XXXX ) That ALL accounts that report any name other than mine : XXXX be removed immediately please. These account are not mine and I have for way too long suffer the consequences of inacurate reporting which has negatively affected my life and that of my wife and XXXX children. 
XXXX ) There are list of XXXX loans that are questionable and I'd like to have them investigated and removed if there's any inacurracy. 
Thank you!
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (AZ)

In XX/XX/year> my information for my credit card was used online to purchase items from XXXX. I contacted the credit card company Ollo/Ally to let them know I didn't purchase anything. I have the peoples names and addresses from another state who stole the card. Credit card company said the cancelled the card that day and they would refund the money. For some reason, on XX/XX/year>, they allowed XXXX to run another purchase. I have called every month and they promise to fix it. Now when I call they put me on hold for over an hour. My credit score has dropped and no one will help me.,
Consumer complaint received 2023-12-19
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (GA)

Dear CFPB, Nationstar Mortgage LLC XXXX Mr. Cooper ( Mr. Cooper XXXX, The XXXX of my mortgage was transferred from Mr. Cooper to Select Portfolio XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX. XX/XX/XXXX. 

I am reporting this through CFPB because XXXX ) this relates to a data quality issue during servicing transfer and has the potential to impact many customers, XXXX ) SPS is pointing the finger directly at Mr. Cooper, and XXXX ) this might relate to the enforcement action CFPB took against Mr. Cooper in XXXX of XXXX. 

XXXX has stated, on several occasions, that Mr. Cooper did not provide insurance information for ( at least ) my account as part of the transfer ; however, if the problem were isolated to missing insurance information, XXXX should have caught the inconsistency and identified a problem with the data. 

This suggests either there is a more pervasive issue with the data coming from XXXX XXXX XXXX is failing to do basic sanity checks on their end that would have caught the issue. 

Some of the statements that XXXX customer service representatives have made with regard to this include : [ Your loan was ] Acquired [ we ] XXXX get all the info during transfer, What happens is the prior servicer should send this information. Sometimes they dont send everything, so we, as the new servicer, sent out letters to customers to confirm we are supposed to pay taxes and insurance. 
What we need to know from prior servicer is if you have insurance In other words, XXXX is directly stating that XXXX ) Mr. Cooper should have sent those data, and XXXX ) that Mr. Cooper failed to send the data ( at lest for my account ). Moreover, as of XXXX. XX/XX/XXXX, some 57 days after the servicing transfer, XXXX acknowledged that they still had not received the missing information from Mr. Cooper.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-19
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)

Hello, There are three collections accounts on my report that are reporting continuously incorrect information for years now. 

I have disputed each one with the credit bureaus and the companies and they still remain on my report. 

This has affected my quality of life and living. I can barely get approved for housing and car dealerships want an arm and a leg down payment. 

Please help, I don't know what to do. I think I am a victim of fraud and this is ruining my life. Also, the credit bureaus TransUnion and XXXX have reported an incorrect credit score to Lenders twice now.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (FL)

I took part in promotion that Money Lion had called pave your wage. They will give you 17 percent of your first deposit into their investment account within 90s days as long as your other direct deposits are percent of the first deposit, you keep your account in good standing, and the promotion is good until XXXX XXXX dollar limit was exhausted I was told my multiple representatives that I qualified and all I need to go is wait. I was told XX/XX/XXXX was the day I should of received it. I reached out and spoke to a manager and she never followed up. I am considering their lack of action as negligence and also considering proceeding in small claims for damages.
Consumer complaint received 2023-12-19
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. (WI)

XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} ACCOUNT XXXX XXXX XXXX {$0.00} ACCOUNT XXXX XXXXXXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  Accounts 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.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 the information is inaccurate
Consumer complaint received 2024-06-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/year> Bank Of America dismissed the foreclosure of my client without further prejudice or cost and vacated the sale of the home. Bank of America acquired this property due to a merger. We have contacted BOA they say they do not have the rights to service these loans and provided us with the ( Possible ) servicers of this loan. Neither XXXX or XXXX have any information or acknowledge they have ever serviced this loan. We followed back up with BOA they then redirected us back to the same servicers and FDIC. FDIC says ONLY BOA have the ability to give a lien release and that we should conact the CFPB. Property address is XXXX XXXX XXXX XXXX, IL XXXX Case Number : XXXX XXXX Borrower Name XXXX XXXX We never received any updates since the original complaint. 

To this date I can not sale my property, refinance, nothing because it appears BOA has a loan on title.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

A debt was listed on my credit report by XXXX and they got a judgement. My bank account was garnished and just recently, the garnishment was released. Capital One bought out XXXX and I don't have a contract for a debt with Capital One. The information for a debt with XXXX is incorrect.