davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-10-26
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-22
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. (NV)

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 2024-05-23
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. (CA)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. Please delete the accounts below : XXXX  XXXX XXXX, XXXX  XXXX XXXX
Consumer complaint received 2024-05-22
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. (OH)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (MI)

PHH mortgage corporation and XXXX XXXX has been asking for a refund for overpayment the past XXXX years in a row from our local XXXX office. Our local XXXX office has repeatably notified PHH they have not received an overpayment from PHH Mortgage Services By law can not accept overpayments. Winter 2019 PHH did not pay my winter XXXX resulting in a XXXX XXXX notice sent to my residence. I promptly paid back XXXX and PHH increased my escrow balance after not paying our tax bill. Every year since then they increase my escrow balance due from XXXX to XXXX. We have provided PHH with legal descriptions, Parcel ID, paid and unpaid XXXX bills along with images of checks they sent for correct amount. I have no idea if PHH mortgage corporation has record of escrow balance sheet and/or how much money lost and not accounted for. We are reaching out for corrective action be taken and this resolved after years of hardship countless trips to county and township government offices, days of vacation used, phone calls, email and traveling for documentation.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bankruptcy presently reflected on my credit report is gravely misrepresented. The case presented as legitimate and accurate is, in reality, entirely fallacious. No trial or judgment has ever been rendered in connection with this case. Without a judgment, the legitimacy of the case is null and void. It is of utmost importance that you promptly expunge this erroneous account from my credit file. The Bankruptcy XXXX XXXX case number XXXX is fraudulent and must be expeditiously removed. Continued failure to rectify this inaccuracy and the persistent dissemination of erroneous information will necessitate legal recourse. I have conferred with my attorney, and should this issue remain unresolved within XXXX  days of this correspondence, legal action will be pursued.
Consumer complaint received 2023-09-18
Product: Credit 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: BARCLAYS BANK DELAWARE (TN)

Opened credit card account with Barclay Delaware Bank to use for a Carnival Cruise. Was approved and they stated they mailed a card to my address, however, after a few weeks I never received a card and received an email from them showing a balance on the account. I immediately called them and reported I had not received a card and reported this as fraud, they stated they would investigate and send a new card. I received a new card but chose not to activate it, I received another email with a increased balance on the card. Called them again, stated they were still investigating. I ask them to close the account because I decided I did not want to deal with them and all the issues with the card. They stated they would close the account. I received a letter in the mail stating that the charges were verified to be fraud and I was not responsible for the charges. I assumed the card was closed and all was good. However, they have now reported this to the credit bureaus as I am delinquent on the account. I have contacted them several times to get this resolved but all they tell me is to wait 30 days and they will have it fixed. It never gets fixed. I disputed the credit bureaus and received letters from Barclay then stating it was being reported correctly and would not be taken off my report. I did not make these charges ; I live in Tennessee and these charges are in Indiana. I was going to hire an attorney but was told to contact you first. Thank you for your help.
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU)

I had lived in California for about three years and had opened a Checking account with XXXX XXXX XXXX. I had NO outstanding balance owed to this credit union and they have unlawfully affected my credit score by claiming that I owe a balance to their banking establishment. I refuse to have this petty claim affect the credit records I have been tracking.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit report from Transunion have an account ( # XXXX ) from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received information that I had a XXXX XXXX 2012 I spoke with the told them I never had this vehicle and also a house as well I dont have any information they wont give it to me Ive been living here in XXXX XXXX all my life Ive never lived in no other state I never bought a house a car either can I get a police report
Consumer complaint received 2024-05-22
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. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses 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 IL XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2016-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PR)

Case number : XXXX was opened on XX/XX/2016. Citimortgage requested again all the documents for a loan modification for the third time. 

Citimortgage closed the case again allegedly for me not submitting " additional '' documents within their required date. I submitted them via the email provided and can prove it. Citimortgage refuses to modify the loan.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being.

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights.

Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I divorced in 2010 and by XXXX 2010 a judge decided that my ex-husband pay the mortgage. XXXX I lowered my punctuation in the credit for the delay that occurred since my ex-husband began paying the mortgage. They can verify that XXXX XXXX XXXX XXXX did perform those payments in arrears have even had to go bankrupt. I make all my payments on time I have no fault that a judge has authorized PR my ex-husband to pay the mortgage. I send you attached evidence of the judge 's order
Consumer complaint received 2023-09-18
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. (MO)

I am writing to express my deep frustration and concern regarding the repeated attempts I have made to have a charge-off account removed from my credit report. Despite my persistent efforts, this charge-off account continues to negatively impact my creditworthiness. I am writing this letter to bring this matter to your attention and request an immediate resolution. 
I am fully aware of the importance of accurate credit reporting and how it affects my ability to access financial services and opportunities. The continued presence of this incorrect charge-off account on my credit report has caused significant financial harm, making it challenging for me to secure credit, loans, and other financial transactions. 

I kindly request that your bureau takes immediate and thorough action to investigate and remove the inaccurate charge-off account mentioned below from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct this inaccuracy, along with a timeline for its removal. Clarity regarding this process is crucial for me to understand when the issue will be resolved. 

Should this charge-off account persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed this charge off account : XXXX XXXX XXXX XXXX Balance : {XXXX}.
Consumer complaint received 2024-06-25
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX student loans are reporting monthly payments due of over XXXX dollars. This was fixed by Transunion about two months ago as they are not in repayment. However, this month the accounts report once again as if in repayment. Enclosed proof all these loans are deferred and do not have a payment amount due each month. The last time I had to complain to CFPB as TU refuses to help me..
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to formally dispute the charge-offs reported on my credit file. Despite multiple attempts to resolve these reporting issues, the inaccuracies remain unaddressed. I have enclosed a detailed description of the specific issues, along with the relevant violations of the Fair Credit Reporting Act ( FCRA ), METRO2, and the Code of Federal Regulations ( CFR ).
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

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
Consumer complaint received 2024-06-21
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a contract to pay for my car on the XXXX of each month. On XX/XX/XXXX, I made my car payment and XXXX XXXX processed the payment correctly, my bank affirmatively confirms that XXXX XXXX collected the funds on time. However, XXXX mistakenly processed the payment several days later and put the late payment on my credit report. I am presenting XXXX with the necessary evidence that indicates that the charge was processed successfully, my bank statements confirm this. XXXX is not presenting any documentation, it is only limited to saying that the payment was made out of date. They send a letter created by themselves with a summary of the payments. However, I am submitting bank statements and transactions demonstrating that payment was made on time. Currently, XXXX technical support recognized that they have had errors on their website to process payments that I should have sent the payment 5 days before. THIS IS A FLAGRANTY VIOLATION OF CONSUMER RIGHTS. XXXX is NOT presenting any evidence beyond a document created by themselves. My account statements demonstrate my payment on time, this is and constitutes sole evidence and refutes any late payment. If my account statements with collection transactions do not demonstrate XXXX 's inconsistency, then what is the point of dispute processes with the credit bureaus if they do not take into account evidence or documentation? Credit bureaus make decisions based on their profits and do not protect consumers. There are no letters indicating why they make the decisions. I expect a firm resolution to this matter, to avoid continued disputes until the matter escalates and is removed from my credit.
Consumer complaint received 2016-08-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANCO POPULAR DE PUERTO RICO (TX)

My father, XXXX XXXX passed away a year ago in XXXX XXXX. My sister XXXX XXXX was his care taker and had guardianship over my fathers affairs both financial and medical. Banco Popular, where my father maintained his account has refused to release the remaining funds to my sister. What are our options? My sister is single and makes minimum wage and could use the funds to help to support herself and her children. Who can we contact? Please help!
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the XXXX credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.