davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received a message that my information was used on a new application to open a Cabelas Capital One Credit Card. I also received an email about the inquiry hitting my credit report with XXXX and XXXX. I have not applied for any credit cards recently.
Consumer complaint received 2022-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have homeowners assistance through HAF. They make a payment every month to Bank of America. Every month Bank of America always state that they can not find my payment that is sent from XXXX from the home owners assistant funding. They are now stating that they do not have my payment and I am 2 months past due. This has been happening so long. I am concerned about my home. HAF has proof that the payments are being applied
Consumer complaint received 2024-04-10
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. (AR)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
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. (IL)

I am submitting this complaint to urgently address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #.. This was mentioned in my previous COMPLAINT #, and I include it again. Kindly delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (NY)

my car was totaled on XX/XX/year>. My insurance company and the gap plan I purchased paid the loan off. The payment is being reported as late. However, the insurance company had submitted payment paying off the car. I have tried on several occasions to resolve this issue with Exter Finance corp.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have called the following phone numbers with no resolved issues. 
XXXX 3x and was hung up in everytime. 

XXXX 3 x- never got through the automated services, placed on hold with no music or options for multiple times. 

XXXXx2- called and reported multiple times. To be hung up on. 

I was not aggressive and or rude the first XXXX phone calls. 

I have then got onto a text with Transunion to report a credit drop for the second time in less than 6 months with no inquiries or negative marks. 
In fact I paid everything and should have a XXXX credit score only to have a random credit drop occur with no trace of why.
Consumer complaint received 2024-04-10
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. (FL)

I noticed a negative reporting accounts on my credit reports. XX/XX/2024, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for breaking the law and getting me denied when applying for credit due to their false reporting information. 

FDCPA 809. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also XXXX, XXXX and TRANSUNION for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days. 
Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also XXXX XXXX and transunion failed to mark as disputed. 

15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.
Consumer complaint received 2018-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Bank of America I am alive and kindly ask you, Bank of America to refrain yourself from sending your people to my relatives ' addresses across the United States, asking them to sign your claim with case number : XXXX, filed at XXXX County Court in Georgia, followed by a surge of ad letters from attorneys, pushing me to file for Chapter XXXX or XXXX. 

It is important to know that my relatives are not personally responsible for my debts, under any circumstances. Additionally, they did not cosign this debt with Bank of America. 

I repeatedly attempted to settle this debt, via out-of-court communication, but your internal collection department was so AGGRESSIVE and refused to accept my proposed repayment plan. Instead, your interest rates and fees were jacked up on me and you declared the accounts as Charged-Off debts, claimed a tax break for the supposed loss, and then you sent your people to my relatives, asking them to sign your claim with case number : XXXX. 

I use the address below for correspondence, but I do not reside there and do not own the property located at : XXXX XXXX XXXX, XXXX GA XXXX. 

Your people threaten my relatives, to force them to sign. I ordered them not to sign. It appears that you or your servicers make it sounds as if I am hiding from you. 

In reality, I am in a difficult situation with the XXXX XXXX  XXXX XXXX ( XXXX ) in XXXX. I put a lot of time, effort and money in this education and now I can not validate the education, to obtain license to practice the profession of radiology, because XXXX hijacked the final piece of documentation. See attachment. 

I already provided you with addresses and telephone numbers to contact me abroad. 
Why didn't you contact me first? 

Hence, I contacted the XXXX County Sheriff Office/Court and kindly requested to return your document, unsigned, back to you and to dismiss your claim with case number : XXXX. 

I need more time and making progress to solve the case in XXXX. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders. 

Again, I propose to your collection department to temporarily accept an Income-Based-Repayment ( IBR ) plan or Pay-As-You-Earn ( PAYE ) plan. 

Kind regards XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX : XXXX
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX has a account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's fraud
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc (IA)

I was sent an email on XX/XX/XXXX that said I had a charge on Affirm and that payment was due on XX/XX/XXXX. I never opened an account with Affirm and I don't know what the change is even for. They said that I owed {$130.00}. It says my purchase ID is XXXX.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2018-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from Portfolio Recovery Associates stating that one of the accounts was sent to them from XXXX because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send Portfolio Recovery Associates people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that XXXX deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to Portfolio Recovery Associates and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with XXXX since they were the ones who accepted the payments. 
- And then ... I reached out to XXXX but said they couldn't help me because my account was sent to Portfolio Recovery for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected Portfolio Recovery was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up.

PLEASE HELP! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (SC)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$0.00}
Consumer complaint received 2024-04-11
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. (GA)

I noticed unauthorized and fraudulent inquiries on my credit report. Those inquiries consisted of the following : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-16
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: Experian Information Solutions Inc. (IL)

Credit bureau experian as well as XXXX XXXX were notified about fraudulent and inaccurate information was being reported to my consumer report. I mailed an identity theft report to consumer reporting agencies in XX/XX/2023. As well sent out cease and desist letters to the company XXXX XXXX XXXX.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was recently decline for a credit application. I was going over my file seen addresses that are not mine on my file.My name is XXXX XXXX XXXX. XXXX XXXX is NOT my name please remove any varitions. My current address is XXXX XXXX XXXX XXXX OH XXXX. I have attached a copy of my IRS letter as proof of my address. 
The follow addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have two account the I have never done business with on my report as well XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please delete these items they are not mines. I have no record of doing busness with them.
Consumer complaint received 2024-04-10
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. (PA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Don't do as XXXX XXXX XXXX, rushing to file lawsuit. I need more time and making progress to solve my financial problems. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.
Consumer complaint received 2018-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I received in XX/XX/XXXX a letter from Ocwen claiming {$1000.00} for past mortgage payments and threatening with foreclosure. They don't specify which payments were missed nor provided any dates whatsoever. Attached please find documentation of the latest payments made to Ocwen as well as their regular statements in the amount of {$210.00}. 

Ocwen is notorious for their substandard accounting processes. 

In the past Ocwen claimed amounts that were not due and and resulted in a refund to me for consecutive over-payments. This process took about a year, they unnecessary reported me to the major credit agencies and affected my credit rating. Finally they had the rectified and send a request to agencies to have reporting removed. This was XX/XX/XXXX. Confirmation # XXXX. Letter attached. 

Ever since I have been receiving statements requesting the regular payment of XXXX, but the last payment submitted in XXXX for the month of XXXX was returned and a letter asking for XXXX ( the equivalent to 5 months payment ) was received on XX/XX/XXXX. 
Letter attached. 
We have never missed a payment nor being late ever since it was open in XXXX. I have some health issues and this is contributing to its worsening. 
They are threatening with foreclosure and of course damaging my credit again ... I can't keep on being the object of the malfunctioning of this company again. 
They are not communicating in an effective way, just doing on their own.