davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-02-24
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. (PA)

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 Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX - XXXX XXXX # XXXX have 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 antidotes 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 2023-10-03
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Ive sent a certified letter in the mail asking Experian to delete all inaccurate personal information reporting on my credit report including wrong addresses, incorrect spelling of names, etc. while they have a tab online to dispute this matter it doesnt work and just keeps spinning. It never takes you to the next page. This is done intentionally and has caused me significant damage in which Im seeking monetary compensation for the delay damages if this matter isnt resolved in the next 30 days.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX-XX/XX/XXXX, {$2500.00}, this was paid in settlement in XX/XX/XXXX by me need to be removed from my credit report. Kohl's- XX/XX/XXXX, {$630.00}, this account is paid and closed need to be removed from my credit report. XXXX- XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX, XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX- {$30000.00} account is closed and paid need to be removed from my credit report.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (MN)

I applied to refinance a loan through XXXX XXXX on or around XX/XX/2018 and I write this complaint today XX/XX/2018 over four months after my initial application to obtain a mortgage on an investment property that I own. Throughout this process. I have always had credit scores in the high 700 's to low 800 's. The LTV on  the subject property would be 70 % or less ( meaning I have plenty of equity ). Their appraisal was sent to me on XX/XX/XXXX which would support my statement. I have provided documentation that I have more than enough funds as reserves. I am employed as an XXXX XXXX XXXX XXXX XXXX of over 8 years and have provided documentation. They have been able to verify this. Throughout the process, their underwriters had many requests for me, I was able to provide documentation which satisfied their requests. After doing this, their underwriter 's requests would change and they would ask for more documentation which I provided which should have satisfied their requests. They would even verify that the documentation I provided satisfied their requests. Some of their underwriter 's requests seemed insignificant ( why did you only declare a {$1100.00} repair expense on an investment property you own when you provided receipts that show {$1400.00} in expenses. I explained that I gave the wrong amount to my accountant ) and even after I was able to prove everything out, their underwriters still say that the condition has not been cleared. Every time I satisfied their underwriter 's requests, they would then bring up new conditions or old conditions that were satisfied earlier. My DTE was under 50 % which they stated was their requirement. As time went by, they even raised my interest rate and I had to point it out before they would address it. There is no logical explanation on why we have not been able to close yet. Their own mortgage lender agrees with me that he can't really explain why over four months after I started the process with them that we are not closed yet.

I am a XXXX XXXX XXXX so I understand the process. In the 12 years, I have been an XXXX ( almost 9 as a XXXX XXXX ). I can legitimately argue this is the worst situation I have seen. I have documents to support all of my statements above. While I can not fully verify that discrimination had anything to do with my loan, I can confidently state that I am qualified based on the criteria I was given and that I have been given the run around for the last four months.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (AZ)

I have an investment savings account along with a new checking account that the company started promoting a few month 's ago all too many times access is limited due to system issues you are unable to get through to customer service due to all of the major issues with the banking platform a perfect example as of todays date is my checking account access has disappeared with no explanation or reason granite only XXXX is in the account but what if I have elected to have my whole paycheck direct deposited I would not have access to my funds and as a consumer these issues are unacceptable
Consumer complaint received 2023-11-17
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. (NM)

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 2023-11-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (DC)

I signed up for a US Bank XXXX XXXX account on XX/XX/2023. I used a link to an offer that I received a targeted promotion for. The offer advertised a {$500.00} sign-up bonus after completing eligible transactions by August. I successfully opened the account and completed all relevant transactions, and gave it more than a month past when the advertised offer said the bonus would post, but I still have not received a bonus. When I called to inquire, the representative said there was no record of the offer being on my account. I will be forced to close the account if US Bank fails to honor the advertised offer.
Consumer complaint received 2017-05-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUN LOAN COMPANY INC. (TX)

On  XXXX , at  XXXX  our office received a call from Sun loans looking for former employee. I said no such person here, please remove our number. On  XXXX  at  XXXX   XXXX , I notice a missed call from Sun Loans. I call back at  XXXX  and ask again to be removed. The agent replied, if we come across the number again we will ignore it. No, you are reached a local union hall please remove our number. We do not have contact information on the person that you are looking for. Agent repeated themselves. I asked for their supervisor. Supervisor was just as rude, repeated what agent said. I became upset at this point and started cussing. I no longer wanted to hear that they might or might not remove our number. I hung up on them. At  XXXX  the supervisor called back asking to speak with my supervisor. Since I am the office coordinator, I said speaking. I told her that I am on their website lodging a complaint against her. She became very rude and unprofessional. ( which i noted in my complaint ) I hung up on her again.  XXXX  then contacted  XXXX  council office to lodge a complaint against me. Which after a conversation with my peer at this office, we laughed and wished each other a good day. I then lodged another complaint against her on sun loans website and contacted the number listed demanding that she be fired for unprofessional-ism and unfair business practices. There is no reason that our local union hall should continue to be contacted when we have asked repeatedly to be removed from their calling list.
Consumer complaint received 2023-11-17
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: AMERICAN EXPRESS COMPANY (MA)

I checked my credit report & I found that I had 3 unauthorized inquries on my report, one from Amex, one from XXXX XXXX, and the last one being from XXXX XXXX, I never made nor authorized any of these inquries on my credit report.
Consumer complaint received 2017-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

Just because I got myself in a mountain of debt, that is no reason for a company to take advantage of me. The company already had me into it for a large loan, then it approved another loan on top of that. They charged me interest like they are loan sharks.  XXXX  loan states that I still owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. Another  XXXX  at the same company states that I owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. I set up a direct pay from my bank to pay them every month from my checking account, and they still charge me a late fee every month even though I never miss payments. I am being taken for a ride.
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request the removal into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.
Consumer complaint received 2023-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (NJ)

On XX/XX/XXXX my XXXX  tried to make my mortgage payment for XX/XX/XXXX but Mr Cooper Mortgage XXXX system would not display my mortgage loan account. I tried to diss ; ay my mortgage loan account online on XX/XX/XXXX to make my XX/XX/XXXX mortgage loan payment and received a message saying : Good Evening, XXXX Congratulations, your loan is fully paid off. I had read an article about Mr Cooper 's systems receiving a cyber attack so I assumed perhaps my account was compromised, therefore prohibiting me from accessing my account. I contacted the online Mr Cooper chat representative on XX/XX/XXXX to request an explanation for not being able to make my XX/XX/XXXX mortgage loan payment. The rep 's chat reply was that a letter had been sent to me on XX/XX/XXXX and as of XX/XX/XXXX my loan was transferred to XXXX XXXX and to reach out to them at XXXX and this is the reason I can not make a payment online with them. I contacted my estranged husband whom I own the property with in joint-tenancy to learn that he never received a letter or notice from Mr Cooper pertaining to the transfer of our mortgage loan. I did not call XXXX ( XXXX XXXX XXXX, XXXX ) because incorrect information could possibly be given out over the phone and a payment could possibly be lost. There is a federal law regulating transferring mortgage loans so I am requesting that CFPB assist me in the deceptive and bad business practice by not informing me and my husband of the transfer and leaving us without documentation and the new XXXX XXXX  loan account #. Please help us not to be penalized with late fees for the XX/XX/XXXX mortgage loan payment and please request that Mr Cooper expedite the legal documents to both me and my husband who have different addresses on file with Mr. Cooper. 
Thank you for any help we can get in this serious matter.
Consumer complaint received 2023-11-17
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. (NC)

I am asserting that these entries are a result of fraudulent activities, and I have not engaged in any financial transactions with XXXX XXXX or XXXX XXXX. I have Tried and tried to get them to fix this error that is causing a major disruption to my life. They keep responding as it belongs to me and I have proving otherwise. Please help me with this matter.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

I took out a loan with possible finance paid it off on time however XXXX  and possible finance they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me XXXX XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against possible finance for failing to protect my consumer rights Also XXXX have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also inquiries that I did not authorize XXXX have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well
Consumer complaint received 2024-03-14
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. (FL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-04-20
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. (VA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX have 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.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (FL)

Please refer to complaint XXXXXXXX is alleging that I owe $XXXX which resulted their breach of contract.  Also, I did not have a signed contract with XXXX.  XXXX, Diversified Adjustment Service, XXXX XXXX XXXX, and XXXX XXXX are all represented by XXXX.  These companies have failed to provide the, oral contract, that I had with XXXX.  I request a transcript of this oral contract on about 15 different occasions over the years.  XXXX breached its contract with me and that breach resulted in the alleged debt of $XXXX.On dozens of occasions, with XXXX  and their collection agencies, I have tried to settle this debt to avoid the horrible tactics of the collection agency.  Finally, the CFPB ordered this debt from my credit report but now XXXX is circumventing your agency by emptying another debt collectors named diversified adjustment service.  To be clear, I do not acknowledge this debt.XXXX  has been notified in writing to cease and desist communications but they are not obeying that order.  The collection companies have not been operating in accordance with the Fair Credit Reporting Act.