davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (CT)

I recently checked my credit report and I see some incorrect information that is affecting my credit report and my ability to obtain credit at the moment, can you please investigate this account? 
account- XXXX account number- XXXX
Consumer complaint received 2023-12-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights 15 U.S.C 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 2024-05-01
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. (VA)

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 anxiety. It is crucial to 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 2023-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear PayPal Team, I am writing to express my dissatisfaction with the permanent limitation placed on my PayPal account ( email : XXXX ). I strongly believe that this limitation was made in error, and I would like to appeal the decision. 

First and foremost, I would like to emphasize that I have not violated any PayPal policy. As a responsible and law-abiding user of your platform, I have always followed your terms of service and community guidelines. I have never engaged in any fraudulent or suspicious activity, and I have always cooperated with PayPal in resolving any issues or disputes. 

Therefore, I was shocked and deeply disappointed when I received notification that my account had been permanently limited. I have reviewed my account activity and have found no evidence of any violations or breaches of PayPal policy. I believe that this limitation was placed on my account as a result of a misunderstanding or error on your part. 

I kindly request that you re-investigate my case and consider restoring my PayPal account, if possible. I believe that a thorough review of my account activity will demonstrate my compliance with PayPal policies and my commitment to using your platform in a responsible and trustworthy manner. 

I hope that you will take my appeal seriously and give it the attention it deserves. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This morning XX/XX/2023, I called USAA to start the application process to purchase my first home. My dad is an XXXX XXXX vet, and he lives with me so I care for him. My twin sister and I are trying to buy a home so we can stop renting as my dad is on a fixed income and rent keeps going up. I spent 58 minutes on the phone with XXXX XXXX - mortgage ID : XXXX and he never one time said that my XXXX file needs to be unlocked so we could proceed. Once we got to the permission to run credit, he then tells me that my file is locked, he's denying my application because my file is locked because USAA doesn't like locked credit files. I told him, " sir, the amount of credit fraud that happens and with XXXX leaking my information a few years ago, I am entitled to lock my credit file to ensure I am not a victim fraud. Can I just unlock my file now so you can run the credit? '' He said, " no the application is denied and you will have to start all over. '' I told him, '' I would not is ton the phone with another person going through this entire process again. Can you at least save my application? '' He said, " no, USAA executives forbid saving applications and require customers to go through the process again. ''
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (PA)

XXXX XXXX - XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXXXXXX This Information is Incorrect XXXX XXXX XXXXXXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX This is not mine XXXX XXXX XXXXXXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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. (GA)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-05-01
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. (ND)

Trans Union is reporting an inaccurate and inconsistent information in my credit report. I have disputed the inaccuracy on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 

I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 

Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
Consumer complaint received 2024-05-01
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. (OK)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management , IncXXXX - have sent notices and violated privacy in having the information unsecured delivery and exposure of credit information. Company already contacted as mail was found about the neighborhood. Additionally, credit report from XXXX does not have this purchased debt but illegal means of collection is being employed with threats noting PRE-Legal NOTIFICALTION mailings. This is a continued practice of this company for which they have been fined in the past. The mailings with respond by dates are mailed with little time frame for responses and yet they seek un-substantiated claims within the courts according to notices thrown about people 's property. NOTICE Dated XX/XX/XXXXXXXX  was not discovered until XX/XX/XXXXXXXX  with response date to pay by XX/XX/XXXX. Paid pennies on the dollar but want to impose unsubstantiated claims of debts via harassment methods. Calls and unsecured time sensitive mailings left to blow about people 's neighborhoods. Deliberate delays to take illegal legal actions.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello I sent a letter to all 3 agencies plus XXXX XXXX about non verifiable information on my report. They have responded that its accurate and verified but the court clerk and pacer both stated that they do not report information to credit agencies. 
This information is being unlawfully reported and they refuse to remove it from my report. when I responded to their letter saying its verified I never received a responded after 60 days. 

this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of record. I formally contest the reportability of the alleged Public Record.
Consumer complaint received 2023-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Previously submitted here as XXXX. YOU SENT LETTERS TO Caliber and they said they'd fix, but worse now! 
In mid XX/XX/XXXX  Caliber awarded me a 90 day deferrment on my mortgage payment when I called them as knew I'd be late on XX/XX/XXXX  payment. They said this would prevent negative remark of late payment on my credit. Within the 90 days I had my mortgage current. Caliber also sold /transferred my mortgage to their sister company XXXX and have been current since. Caliber was who advised me to apply for the deferrment so my late payment would NOT be reflected on my credit. I AM STILL GETTING CORRESPONDENCE FROM CALIBER THREATENING FORCLOSURE AS BEFORE WHEN I SUBMITTED COMPLAINT REFERENCED ABOVE AND NOW I SEE THEY HAVE REPORTED A LATE MORTGAGE PAYMENT ON MY CREDIT REPORT!!!!! I AM CURRENT ON MY MORTGAGE WHICH IS NOW THRU XXXX. 
XXXX ) : I want this threatening correspondence about forclosure to stop. When I call Caliber it says they no longer own my mortgage and automatically transfers me to XXXX. XXXX says I have to talk to Caliber as I am current with payments. Have sent Caliber cease and desist letter ... .they persist! I have spent hours on hold calling them without resolution. 
XXXX ) : I want the late mortgage payment removed from my credit report on all credit bureaus and a letter in writing stating this. Caliber said the forbearance would preclude any negetive credit reporting. 
My mortgage is current. I am continuing to live in and pay for my home and plan to keep living here and owning my home. This needs to stop. It's causing undue stress and has been ongoing since XXXX or XXXXEnough already.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : DP OF EDUC Account Number:XX/XX/XXXXhas 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 2023-11-20
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)

Disputed Credit Accounts on my Credit Reports to the Credit Bureaus. Seemed funny that the Credit Bureaus completed the dispute process in less than 30 days.

I ask for these credit accounts to be deleted from my credit file.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (AZ)

HAF program sent a total of 3 payment to my former servicer. Security national mortgage company received a payment in XXXX, another in XXXX and last one in XXXX. loan was sold and transferred XXXX  XXXX and after 90 days they have yet to send payments over to new servicer or send back to original sender. 
I have been contacting their subservicer for over 3 months and they refuse to assist me. I understand it is not cenlars fault, it is Security national mortgage company their name is on my documents. At this point they keep violating my rights as a consumer. The server refuses to return or forward payments over to my new and current servicer. I have spent too many hours on the phone and no one wants to help. Security national forced me to put my loan on a forbearance because they are not forwarding payments received in a timely manner from HAF program.
Consumer complaint received 2023-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CT)

I was never contacted about this debt, mailed any notification or anything. Also, unaware of who this is as it is not the original creditor. Now it has been added to my consumer report negatively affecting me and my family.
Consumer complaint received 2024-05-01
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: EQUIFAX, INC. (VA)

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 anxiety. It is crucial to 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute and formally request the correction of inaccurate information on my credit report maintained by Equifax. This dispute concerns late payments reported on the following accounts listed below : XXXX XXXX XXXX | Account number : XXXX XXXX XXXX XXXX | Account number : XXXX XXXX XXXX | Account number : XXXX I contend that the reporting of these late payments not only misrepresents my credit history but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to the following sections of the United States Code : 1. **15 USC 1681 section 602 : ** This section underscores my right to privacy, emphasizing the obligation of consumer reporting agencies to ensure the accuracy, fairness, and privacy of the information they collect and disseminate. 
2. **15 USC 1681 section 604a section 2 : ** This section outlines the procedures for providing consumers with their rights, emphasizing the right to dispute inaccurate information on their credit reports. 
3. **15 USCS 1666b : ** This section establishes additional protections for consumers, stating that a consumer reporting agency can not furnish an account without the consumer 's written instructions, and a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Equifax - My information was sold and brought illegally because I was a victim of the Equifax data breach. 
I want these items deleted from my credit reports effective immediately. I am attaching proof to Equifax that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (TX)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : 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 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 2024-05-01
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. (IN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I am 100 percent sure I paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/23. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.