davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (GA)

I sent a certified letter to transunion on XX/XX/2024 to correct inaccuracies that I found on my credit report. I asked them to verify the accounts that were showing inaccuracies and fix the errors. I was sent back a revised credit report according to them that stated that the accounts that I had issues with were validated and updated. When I pulled my credit report those accounts were still showing several inaccuracies. 
XXXXXXXX XXXX XXXX XXXXXXXX Account is showing differently on all 3 credit bureaus, account is showing that it is a charge off and still has an open balance. This account is showing positive payment history on XXXX and no payment history on transunion. 

XXXX XXXXXXXX XXXX # XXXX Account is showing different on all three credit bureaus. 
Account is showing on XXXX positive payment history and no payment history on transunion The account is showing that it is a charged off account but still has an active balance Account is showing different date last active on all three credit bureaus XXXX XXXX account # XXXX Account is reporting different on all three credit bureaus Date last active is reporting different on all 3 credit bureaus Account is showing different payment history on all three credit bureaus Account is showing that it I'd charged off but has positive payment history in payment history XXXX XXXX Account # XXXX Account is reporting different on XXXX The account says it's charged off but has an active balance The account has different last date active on XXXX XXXX XXXX Account # XXXX Account says it's charged off but has an active balance. Does not have a payment history to correspond payment history XXXX XXXX Account XXXX XXXX Account is charged off but has an active balance Account has no payment history According to the fair credit act all accounts on my report should be reporting accurate.
Consumer complaint received 2024-05-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (CA)

UWM # XXXX. Our home was completely destroyed in a house fire XX/XX/XXXX. Our homeowners policy has paid in full for the structure. We were going to rebuild but I was diagnosed with an illness with a poor prognosis in XX/XX/XXXX, so we are no longer able to do so. UWM has been notified ( both mortgage and loss drafts sides - loss drafts manages reconstruction finance ) multiple times. The initial funds sent to us to begin construction have been returned to UWM. 
UWM is in possession of more than enough money required to pay off our mortgage. They actually owe us a refund. Those funds are currently split between two UWM departments giving the impression the mortgage is not paid in full. UWM is in possession of ALL insurance proceeds dedicated to the loss of structure. We relayed this to our homeowners insurance carrier who recommended we cancel our policy since we have a destroyed structure, are not rebuilding, and believed UWM would reconcile the funds as we were told they would during one of our phone calls. 
We received notice in the mail that UWM intends to purchase home owners insurance for our property and charge us accordingly. Each attempt at clearing things up with either the mortgage or loss funds side results in the department pointing the finger at the other for responsibility. They act like its impossible for them to speak to one another.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2016-04-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery placed a collection on my XXXX account that has been disputed and can not validate the account per the CFPB CONSENT ORDER rules and agreement as follows as attached. 
1.Portfolio Recovery is misprespresenting the debt on my credit report as attached and without validation. 
2.Portfolio Recovery can not provide account level documentation and do not have enough information to investigate the account they claim to be able to collect per their letter to me XXXX XXXX, 2016 and in response to my letter to them XXXX XXXX, 2016 both are attached. They want me to provide the information to that they do not have. 
3. I never opened a XXXX account. 
4. They never sent copies of any validation such as requested in my letter to them XXXX XXXX, 2016. 
5. They are violating the Consent Order XXXX as outlined in my attachment.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

I have a credit account at Home Depot, which is serviced by citibank. 

I received an invoice in XXXX that clearly stated if I paid {$1100.00}, that I would avoid interest charges. I made 3 payments that total {$1100.00} prior to the due date. When I received my XXXX invoice, only {$350.00} was applied to my high interest revolving balances of 22.99 %, whereas the other {$780.00} was applied to 0 % interest promotional balances that expire XX/XX/2019. 

I called to have them correct the issue, but they simply gave me credit for the {$18.00} interest charge generated by the misapplication of funds to balances with different interest rate charges. This has occurred twice in the last few month, where the bank applies payments to the lower interest rate prior to the high interest rate, thereby generating more interest charges. 

I am aware of the rule where the minimum payment can be applied wherever the bank chooses, but the remainder is applied to the highest interest rate first. In this case, the minimum was {$190.00}, but {$780.00} was applied to the lowest interest rate and {$350.00} was applied to the high interest rate. 

If I wasn't paying attention to the bank 's hijinx, I would not have noticed the {$18.00} in erroneous finance charges.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXXXXXX
Consumer complaint received 2024-05-15
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. I must reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered aapplication Modification but after I sent the application, but after that, they started to refusing my payment, my credit is getting very bad and when I called last time after several timer per week and i Got HAng out, finally, this person told me that this bank will take my home and i have nothing to do, I told him tha I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't reccomend me to fight because any ways I have everything to loose. 
Im very XXXX and I do n't know if I should keep XXXX or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME. 
NOW I UNDERSTANG WHY MANY PEOPLE XXXX, BUT THEY DID N'T LEAVE A LETTER MAKING BANKS RESPONSIBLE FOR THAT, THEY MAKE PEOPLE XXXX WITHOUT CARE ABOUT OTHERS BUT JUST THEIR MONEY.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft over and over. I just found out that my mail was forwarded out and criminals open up new bank accounts and credit card accounts under my name.I never knew these accounts was opened because I wasnt getting mail directly to me. XXXX the accounts was ran up and reported late. Ive called the credit card companies as well as filed a police report with the banks. This is absolutely the worst time for this to happen because I am looking to buy a home and my credit is Ruined. 

XXXX account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX. XXXX
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 PER 15 USC 6801, CREDIT REPORTING AGENCIES HAVE THE RESPONSIBILTY OF PROTECTING MY PERSONAL INFORMATION. XXXX IS IN VIOLATION, AND MY PERSONAL INFORMATION/IDENTITY BEING LEAKED AND FALSELY UTILIZIED IS AFFECTING MY ABILITY TO OBTAIN CREDIT I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-05-15
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: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


After reviewing my credit report recently on XX/XX/2024 I noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to XXXX XXXX XXXX they are suppose to 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

reported to Experian on XX/XX/1924 their case number XXXX shows a company named XXXX XXXX has a report on file with Experian, and may be others, of me having opened an account ( buy now pay later ) with them for {$880.00}. Affirms account number XXXX This is not mine though they show it as my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX, I sent a certified letter to XXXX XXXX XXXX, asking them to verify debt and it has been 30 days without a response. It was removed from XXXX, but Transunion still has it.