davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (PA)

Rocket Mortgage ( RM ) has employed a shadowy 3rd and 4th party to deny release of escrowed funds paid to me by my insurer following storm damage to my home. RM escrowed the funds as the mortgager of the property. 

RM contracts with " XXXX '', an otherwise unidentified 3rd party, to verify completion of repairs. XXXX then hires " independent contractors '' who use only their first name : XXXX ( XXXX ) and communicate solely by text. 

By default, an unidentified 4th party, working for a shadowy 3rd party, determines whether RM pays me money I owe my contractor. XXXX has made contradictory, confusing and, at times, impossible demands on me. RM can't define a process by which my funds will be released, referring me back to XXXX RM 's representatives have made assertions that were patently false. Meanwhile, my contractor 's invoice is unpaid.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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)

I never authorized this company to provide credit. Please remove from my trade line or provide me proof I signed and authorized these accounts to be opened.,, XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Reported : XXXX. XXXX, XXXX DEPT OF EDXXXX Reported : XXXX. XXXX, XXXX DEPT OF EDXXXX Reported : XXXX. XXXX DEPT OF EDXXXX Reported : XXXX. XXXX, XXXX
Consumer complaint received 2023-10-19
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

I had my credit ran and found out that a fraudulent account was opened in my name. 
under FCRA 605B ( 15U.S.C. 1681c-2, this information is to be blocked from my report. I have filed a police report and contacted the original creditor. This informatin needs to be removed and blocked within 4 days. 
Documents Provided FTC Report Police Report Furnishing
Consumer complaint received 2023-10-25
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)

I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXXInquiry XXXX-Inquiry XXXX XXXX - Incorrect XXXX XXXX - Incorrect
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

Resurgent/LVNV funding has requested payment and I have never had any consumer business dealing from a consumer standpoint, and do not know who they are and request that they cease and desist from trying to collect any debt from me as I do not even know who they are. Also that they be deleted from my consumer profile, credit report on all 3 bureaus.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (OH)

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, equalifax, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX, XXXX, XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I deposited a check for {$1800.00} at Bank of America ( XXXX XXXX XXXX XXXX XXXX, WA, XXXX, United States ). The next day, XX/XX/XXXX, the funds were made available in my account and the status of the check read, and still reads, " Cleared. '' This check was for services I was to provide to a client, but the client cancelled our business arrangement and asked me to return the funds to him via XXXX. Once the check was cleared, I obliged by my client 's request and returned {$1800.00} in two installments : {$1500.00} sent on XX/XX/XXXX and {$320.00} sent on XX/XX/XXXX, with {$40.00} staying with me as payment for the inconvenience. Two days later, on XX/XX/XXXX, Bank of America withdrew {$1800.00} from my account on the grounds that the check I deposited on XX/XX/XXXX was fraudulent. The lack of communication from Bank of America about the status of the check and the use of the term " Cleared '' to describe a check that in fact had not been verified as legitimate led me to lose {$1800.00} since I would not have sent money to my client had I known the check had not been verified.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The XXXX credit bureaus XXXX, XXXX, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX, XXXX, XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Consumer complaint received 2024-04-18
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. (NY)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MO)

I recently ( XX/XX/XXXX ) went through identity theft where someone stole over {$13000.00} from my bank account. I filed disputes with my bank ( Credit Karma/XXXX XXXX ) and so far most of the {$13000.00} was returned. However, on XXXX both my Spend ( checking ) and Savings account was locked and no explanation was given. I called in to Credit Karma Money support and the agent informed me they were reviewing my account for my security and the matter would be resolved in 7-10 business days. I told the support agent 7-10 business days was an unacceptable amount of time for my account to be frozen as I have bills to pay and I am currently overseas and need to pay to travel home for important meetings. The agent then had to asked I confirm my identity by uploading the front and back of my drivers license along with a selfie photo of me holding my ID under my chin so he could escalate my case. After providing the requested documents the support agent said that he had escalated my case and I could expect resolution in 2-3 business days. I called back in today ( XX/XX/XXXX ) as it has been over 3 business days and the agent now says the case will take 7-10 business days. I asked why as my case was supposed to be escalated and the agent said that I was informed wrong and that it will continue to take 7-10 business days. I asked why my account is frozen and they told me they cant disclose any information to me. I asked to speak to a manager and was told no manager was available to me. I asked to speak to email with someone on the team who is reviewing my account to unlock it and they said that I cant talk or communicate with anyone on the team reviewing my account and again they cant disclose why my account is frozen.
Consumer complaint received 2024-01-08
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I am filing a formal complaint against the creditor Nissan regarding the inaccurate and inconsistent reporting of an account on my credit reports. Despite multiple attempts to rectify these errors with both the credit bureaus and Nissan, the issues persist. The account details, as reported by XXXX and XXXX, exhibit discrepancies and inconsistencies that remain unresolved. The account in question is outlined below : XXXX and XXXX report conflicting information for the same account : - XXXX indicates the payment status as 30 days past due, while XXXX states Paid account/was delinquent 60 days past due date. 
- Discrepancies exist within the 2-year payment history, with numerous months showing unreported data. 
- XXXX reports the date closed as XX/XX/2022, but XXXX does not provide a date of closure. 
- XXXX indicates the terms of the installment account as 39 months, while XXXX does not provide any information in this field. 
- There is a discrepancy in the reported high balance : XXXX lists it as {$26000.00}, whereas XXXX reports it as XXXX. 

For your reference, I have enclosed a copy of how the account currently appears on my credit reports as supporting evidence.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I spoke to someone at Transunion and explained I was unable to get my credit report online due to a problem with the system. After checking he said that I would have to call another number and they would fix the problem. I called the number and was connected to the automated system. I gave the system the information requested and was told I should receive my credit report in 7 to 10 days. After 10 days I hadn't received the report, so on XX/XX/2018 I called Transunion again and explained that I hadn't received my report. The women said that she requested another report and I should receive it in 10 days. Again I didn't receive the report, so I called them again on XX/XX/XXXX and again I was assured that I would get the report within 7 to 10 days. Unfortunately I still haven't received the report even though I tried 3 times.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I am trying to set up some systems with my mortgage holder, XXXX. They bought my mortgage from XXXX XXXX in mid XXXX, and since then I have been unable to contact them. Their phone number is incorrect and results in a failed call. They also claim I have an outstanding debt on my mortgage which I don't ( and never have ). They do not answer emails, and the live chat disconnects you after a few moments. 

I have read other reports that they change aspects of the loan agreement without contacting the client. 

There is something XXXX  wrong with this company, and as they can not be contacted, this is a disaster waiting to happen. 

Please, please look into this. This is a high stress situation for something as simple as paying for a mortgage.
Consumer complaint received 2023-08-05
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. (OH)

I disputed these accounts on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 by letter, and with the CFPB electronically on XX/XX/2023 which is currently marked as closed and verified for these items. This means you are required to updated the report showing your completed investigation reports and proper statuses. I am showing below that these accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau. 

I am showing that the bankruptcy information that is being reported is inconsistent across bureaus. They have completely different court names & different filing dates. These were verified as accurate in the investigation you completed. 

Now, you no longer have the chance to correct it. You need to delete these items. These inaccuracies are all serious violations of the FCRA and consumer rights of accurate reporting to my credit report. 

As a result of the negligence of your investigation not being done properly, & the numerous attempts I have made to ensure my information is being accurately reported, please delete these accounts immediately as you have violated my rights & the Fair Credit Reporting Act.
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 XXXX has violated my rights. 
Account Number started in 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 an account without my written instruction.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX Home Mortgage ( my former mortgage lender ) sent me a notice stating that my mortgage will be transferred to Mr. Cooper effective XX/XX/XXXX 
I made XX/XX/ mortgage payment before receiving the any type of formal notice to Mr. Cooper. I always make what I owe monthly plus additional {$930.00} applying towards the principal. Mr. Cooper did in fact acknowledged the receipt of XX/XX/ payment. NEVER explaining {$930.00} additional was applied to my account. 

I tried to call Mr. Cooper on numerous occasions with number provided by XXXX XXXX and I was unable to speak with a customer service rep. I then called XXXX XXXX and explained. The rep at XXXX XXXX told me that they've been getting a lot of complaints from other customers. However XXXX XXXX only had the number I had. 

I was told that I will be receiving a formal payment voucher/statement shortly from Mr. Cooper and there will be 60 day grace period. I am still waiting statement from Mr. Cooper the itemization of what I paid and how the funds were applied to my account. 

I've been receiving calls from Mr. Cooper stating my mortgage payment is being late and I should consider them as a debt collectors. I can not get hold of anyone at Mr. Cooper. WHAT DO I DO?
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a contract with XXXX XXXX XXXX. It never stated I couldnt break the contract due to a permanent change of station. I lived in the home for XXXX years ( XXXX XXXX, but was forced to relocate by the XXXX to Texas. I informed XXXX and tried to cancel. I would stay on the phone for hours before being hung up on. I tried reaching out through text messages as well. Instead they kept charging me and said I owed {$700.00} which I couldnt afford at the time due to military movement. They recently reported it to the credit bureau affecting my credit score. I went from high XXXX to low XXXX when I have always paid everything on time. Please assist.