davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (CO)

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 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 

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 2023-12-21
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. (NY)

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 XXXXXXXX The following personal information is incorrect, Please remove it from my credit report
Consumer complaint received 2023-12-21
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. (GA)

I HOPE THIS LETTER FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY XXXX. 
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : XXXX FIN XX/XX/2023. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX I UNDERSTAND THAT XXXX TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT BOTH PARTIES INVOLVED. 
ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT XXXX CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT XXXX PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR XXXX 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES.
Consumer complaint received 2024-04-21
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. (NY)

I recently signed up with the 3 consumer reporting agency's- XXXX, Equifax, and XXXX to check my credit. While on there I noticed several violations of my personal rights including but not limited to 15 USC Code 1681b- " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' ( 2 ) In accordance with the written instructions of the consumer.

That is also Aggravated Identity Theft- 18 USC 1028 a so they have possession of my private information and they are also using it without my permission as the consumer.

Also they have failed to remove false inaccurate information on my report- 15 U.S. code 1681 ( 5 ) i As a result of seeking remedy I contacted all 3 agency 's and requested to speak to their fraud department and notified each of the reporting agency 's that they were violating my rights and reminded them of their legal obligations to remove all the reports against me while stating the commercial laws as I mentioned above. 
All the following are the accounts for which I am demanding remedy. 
XXXX XXXX XXXX {$12000.00} account is paid off in full and marked as closed and still not removed. 
XXXX XXXX XXXX in the amount of {$270.00} XXXX XXXX in the amount of {$5500.00} XXXX XXXX XXXXXXXX in the amount of {$190.00}
Consumer complaint received 2023-09-25
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

On XXXX XXXX XXXX  I received an EMAIL from Credencecerm.com stating they previously sent me a letter regarding a delinquent balance due for XXXX, XXXX. I do not have any knowledge of this company, nor do they have permission to infringe on my privacy by contacting me by way of an email address that I may or may not monitor. 

I replied to their email as follows : Credence Resource Management , LLC You do NOT have my permission to contact me via email. This is an infringement on my right to privacy as I have no agreement with or obligation to you. 

This is to inform you that I dispute the entirety of the validity of the alleged debt and to inform you to cease and desist all contact with me ( including spouse and family members ) from all media sources other than the US Postal Services and that is if, and only if, it is : - To provide documents to validate the alleged debt. Include all official, certified, unredacted forward flow documents and alleged original creditor information. 

- To provide proof that I have any legal obligation to pay you. 

- To inform me that you have XXXX this alleged debt and disassociated it from me. 

- To inform me that you have removed all references to the account from all credit reporting agencies and that you have informed them to delete same. 

- To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector. 

- To inform me that you have issued the settled civil and/or statutory financial remedy that is to be determined. 

I will also grant them permission to contact me, via USPS to inform me that my XXXX services have been completely restored. 

Please note : On XX/XX/XXXX I filed complaint # XXXX against XXXX for false statements or representation. I also contacted them and was on the phone with their reps for more than an hour waiting to speak to someone in management, at which point I was informed I would get a return phone call within 24 to 48 hours ; its been months and I have not heard from anyone.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Subject : Request for Identity Verification To Whom It May Concern, I am writing to request identity verification in connection with my credit report. I believe it is essential to ensure the accuracy and security of my credit information.
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX & XXXX XXXX immediately.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The late payment showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Trying to collect on a debt I did not initiate.
Consumer complaint received 2023-12-21
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)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-04-21
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. (TN)

I just reviewed my credit report and noticed an account that was not reporting accurately. Noticed also they reporting late payments on an account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX, XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NORTHWEST BANCSHARES INC (PA)

I had an original mortgage with northwest XXXX bank. I did not escrow. 

Northwest bank sold my mortgage to XXXX with a first payment due to XXXX XX/XX/XXXX. 

On XX/XX/XXXX XXXX charged my mortgage account for an entry to escrow of {$1100.00} to pay for homeowners insurance. 

At no point in time has my homeowners insurance changed or been delinquent either with northwest, during the sale of the mortgage, or with XXXX. 

On XX/XX/XXXX I received a second notice letter from XXXX stating that I was responsible to immediately provide XXXX with homeowner insurance information including me being required to have my new loan number and property address on a renewal policy of reinstatement and mail to XXXX with a loss payee clause. 

Also within this notice it provided an online option to execute this action. I logged into the website as well as the co-borrower and it required us to input our complete social security number at which time neither of us did as that did not appear to be prudent. 

On XX/XX/XXXX when I was looking to see if my XXXX payment was credited to my account. I noticed the charge to escrow of {$1100.00} as mentioned above. 

On XX/XX/XXXX the co-borrower collected up our insurance information and presented to XXXX. They accepted the documents and indicated the charge would be reversed within a weeks time. 

I have an issue with the fact that : 1-if the bank sold my mortgage, then would they not be responsible to notify my insurance agent as well as instruct them as to whom the new bank is so the new account information is with the insurance company as well as the insurance policy having the new borrower XXXX listed as ISAOA? 

2- had I not noticed this escrow charge in my account transactions, the bank would have had this money, charged my account all while I was also paying my private insurance company. 

3-why is it the customers responsibility To update this documentation? 

4-what if this was flood insurance, would the bank selling or transferring the loan not be required to inform the insurance agent the change in owner of the loan I.e., the new bank? 

This whole thing was unfair and cause undo harm and stress to both myself and the co-borrower.
Consumer complaint received 2023-12-21
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. (TX)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

My legal name is not recorded on my personal credit profile. The names listed on those reporting agency profiles are not me/mine. I have submitted disputes with XXXX XXXX XXXX reporting agencies to no avail. Both still show some or all of the inaccuracies as AKA or other names.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX XXXX XXXX XXXX After sending my information to the credit bureaus on the XXXX of XXXX.
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC (FL)

I have filled out XXXX requests and loan modification packets. XXXX they did not receive and ONE they were missing documents. I sent the missing documents to XXXX XXXX who was in charge of the modification department per her. I have emails to her direct email with the documents needed. 
Since then planet home lending has put my home into foreclosure status and I obtained the assistance of XXXX XXXX XXXX to help keep my home. 
I have had XXXX XXXX way calls between the XXXX companies and was approved for a tier XXXX medical loan. I have filed all documents needed. 
My complaint is about the harassment from a process server that planet home lendings lawyer obtained. She has been to my property 3 times in XXXX weeks even though she was given the cease and desist letter. She told my sister in law today that everything behind her is about to be taken even the ground that she stands on. ( All on camera ) And that the sheriff 's will be out soon to remove myself and XXXX young children, XXXX of which are ill along with myself. I've also spoken to plant home lending 2 times in the last XXXX weeks. But it's the same thing over and over since this company lacks the presence of reporting notes and conversations with clients. Thus NO COMMUNICATION IS PRESENT WITHIN THE COMPANY. 
I HAVE A CEASE AND DESIST ORDER. 
I also have proof that they were given the information by myself about the PACE PROGRAM fraud on my house, with whom they are trying to sue as well. So they will never win that case in court. 
I begged for there help when I found out that the XXXX company forged my husband 's name on forms to RENEW FINANCIAL in which I have an open case in the XXXX XXXX XXXX XXXX department.
Consumer complaint received 2023-12-21
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. (DE)

I am writing to address a matter of utmost importance regarding the accuracy and completeness of the information currently being reported by your company. Following a meticulous review of my updated report, it has come to my attention that there are discrepancies and incomplete details that require immediate rectification. 

-- -- -TransUnion -- -- - 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
Consumer complaint received 2023-12-21
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. (KS)

I have made multiple attempts challenging the account being reported. Account verified by furnisher, no investigation report was provided to me, data remains inaccurate and incomplete. Modified account details with other reports but failed to provide carbon copies to all other parties. 
Delete XXXX XXXX account Delete XXXX XXXX XXXX Delete XXXX XXXX account Delete XXXX  account Delete XXXX XXXX account
Consumer complaint received 2023-10-31
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. (TX)

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 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION (WA)

Dear CFPB, Loan Number Amerisave : XXXX This is regard the loan above with Amerisave. Amerisave already transferred the loan to XXXX with new loan number : XXXX on XX/XX/2023. However, when they transfer the loan to XXXX they put in a {$840.00} unpaid balance for escrow ( insurance ). They claimed that I did not have home insurance so they purchased that on my behalf. However, I always have insurance since the beginning of the loan to now. There is no gap in between. I and my insurance company always send them new declaration page of the policy at the beginning of every year. Now that Amerisave is closed, I can't call them or do anything to get my money back. I'm writing this letter to seek help from the CFPB to help me get my money back. 

Thank you.