davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2020, an installment loan was taken out fraudulently with a company called XXXX, which I had never heard of. I noticed this issue a few months later and began disputing it with the credit bureaus. I was eventually able to get it removed from XXXX, but it is still showing up on my XXXX and TransUnion credit reports. I have disputed it with each bureau multiple times over the last few years, and have even filed a police report about it. I have tried to contact the company to inform them that this account is not mine, but they won't even let me go far enough with their phone system because I don't know the phone number associated with my account. Despite numerous attempts to explain the situation and the dispute, XXXX and TransUnion have not removed it from my credit report, and now it is seriously causing harm in my life because it is holding up my attempt to buy my first house. This account was opened fraudulently, and I need it removed from my credit report on XXXX and TransUnion.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NH)

I am enrolled in XXXX and my application has been accepted. I am a widow living on social security with two mortgages that take most of my income per month. Now, I am fortunate that the Fund is considering payment on my two mortgages that are past due. 
I have had an active application and communication with XXXX since XXXX, XXXX, XXXX. XXXX  each of my lenders, Mr Cooper and XXXX XXXX XXXX XXXX inquiries on XX/XX/XXXX through the portal to validate and move forward with payment of these overdue mortgages. Neither lender is being cooperative to the Fund or to my many requests, via phone or messages that we have sent from that date. 
Both lenders have not verified the inquiries sent to them. I have personal notes of many phone calls to Mr Cooper from the past weeks I talked with XXXX  assistants, XXXX and XXXX, on many occasions and they confirmed that Mr. Cooper has not responded to the inquiry XX/XX/XXXX, XX/XX/XXXX. Also, I have spent hours talking to more than 6 different mortgage agents,XXXX, XX/XX/XXXX two times, XX/XX/XXXX, at Mr Cooper. They all indicate the inquiry was made to Mr. Cooper and it was verified according to their records. On the suggestion of XXXX, at XXXX, I sent a follow up email to XXXX on XX/XX/XXXX requesting information about their responses to XXXX  requests. And after all this time a stalemate of inaction continues and my Mr Cooper mortgage remains unpaid. 
XXXX contacted the XXXX in early XXXX. At the XXXX I have tried to reach a person XX/XX/XXXX. I was on the phone for 82 minutes never reaching the right department or a person who could talk to me. I was being redirected to different persons.who can tell me the status at XXXX of the inquiry and response. The final contact there was unavailable, left a message, never called me back. Called XX/XX/XXXX again at XXXX til XXXX when XXXX gave me the same person to contact from XX/XX/XXXX who still did not call me back. No one from XXXX has contacted me or XXXX to this point. 
XXXX has the funds, I am told by the assistants, to be disbursed but my lenders are uncooperative, unresponsive and unavailable to me and XXXX. I am asking the CFPB to intercede on my behalf and have my banks, who I have paid thousands of mortgage payments over the years, to due diligence when I, their client, has pertinent and timely requests.
Consumer complaint received 2023-04-26
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. (GA)

Dear Sir/Madam, I am writing to dispute an inaccurate collection account on my credit report that is adversely affecting my XXXX XXXX. The collection account in question belongs to XXXX XXXX XXXX Account number XXXX, which does not belong to me. I have never entered into any agreement with your company to provide any services that would result in a collection account on my credit report. 

Additionally, there are several other items on my credit report that I also want to dispute, including the following : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX. Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX  Account number XXXX I request that you thoroughly investigate these items and remove them from my credit report, as they are negatively impacting my creditworthiness and causing me difficulties in obtaining credit and loans. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I have attached supporting documentation and request that you consider it in your investigation. 

I urge you to take prompt action to correct these errors and provide me with written confirmation once these items have been removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, [ Your name and contact information ]
Consumer complaint received 2023-09-26
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. (SC)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Re : Unauthorized Hard Inquiries on TransUnion Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding two unauthorized hard inquiries that have recently appeared on my TransUnion credit report. These inquiries are from entities identified as " XXXX XXXX XXXX XXXX '' and " XXXX. '' I have no knowledge of initiating any business transactions or providing consent for credit inquiries to these entities. These inquiries have a significant impact on my credit score and could potentially harm my financial standing. 

I would like to bring to your attention that these unauthorized hard inquiries not only appear to be fraudulent but also violate both national and South Carolina state laws governing consumer credit protection. Specifically, I believe the following laws apply to this situation : 1. **The Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, consumers have the right to accurate and fair credit reporting. Unauthorized hard inquiries can damage an individual 's credit, and it is imperative that credit reporting agencies take immediate action to rectify this issue. 

2. **South Carolina Consumer Protection Code : ** South Carolina law also provides protections for consumers against unauthorized inquiries on their credit reports. It is evident that these inquiries were made without my consent, and as such, they violate my rights under state law. 

I hereby request that the Consumer Financial Protection Bureau ( CFPB ) use its authority to enforce these laws and take the necessary steps to have the unauthorized hard inquiries from " XXXX XXXX XXXX XXXX '' and " XXXXXXXX '' removed from my TransUnion credit report immediately. I am prepared to provide any supporting documentation or information you may require to investigate this matter further. 

In addition, I kindly request that the CFPB assist me in identifying the parties responsible for these fraudulent inquiries so that appropriate legal action can be taken against them. Unauthorized inquiries not only harm individual consumers but also erode trust in the credit reporting system. 

Please consider this complaint with the utmost urgency, as I am concerned about the potential harm these unauthorized inquiries may have on my financial well-being. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 


Thank you for your assistance in addressing this matter.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX account XXXX
Consumer complaint received 2023-11-02
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bright Capital Inc (FL)

I used Bright Builder on the Bright Money app, intended to take $ XXXX monthly from my account and report it to the credit bureau. The {$10.00} was only charged once and never reported. I was then charged XXXX for a membership that I did not sign up for which is stealing. Now there are many micro transactions happening daily in the amounts of XXXX cents, XXXX cents, XXXX cents, etc. for another service that I didnt sign up for, which is also considered stealing. I contacted them through their in app help line and was told these transactions would stop yet they continue ( stealing yet again ) and my account has even overdrafted. This company is clearly a scam and needs to be treated as such
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2023-04-26
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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I've been trying to have this company removed from my report for quite sometime now. I've spoken to Credit acceptance on several occasions where they verbally agreed to have themselves removed from my credit report. This account has been paid in full and is closed since 2021 and yet it remains on my report. Ive been disputing this with the credit bureau 's as well and they intend to keep this on my report for 10 years. im currently trying to get funding a new home and the lenders are refusing to fund me because of this matter. I am XXXX XXXX XXXX that means id have to wait until im XXXX to get some kind funding. this isn't fair and I need this removed.
Consumer complaint received 2023-09-19
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: Upstart Holdings, Inc. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account or get rid of it below : UPSTART NETWORK INC. XXXX
Consumer complaint received 2023-09-03
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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-05
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. (IL)

PLEASE BLOCK AND REMOVE It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Incorrect Name - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX. XXXX - XX/XX/2023 XXXX. XXXX - XX/XX/2023 XXXX. XXXX  - XX/XX/2023 XXXX. XXXX - XX/XX/2023 XXXX. XXXX - XX/XX/2023
Consumer complaint received 2023-09-26
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.
Consumer complaint received 2023-09-03
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to file a formal complaint against MIDLAND CREDIT MANAGEM regarding a collections account ( Account Number XXXX ) that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
Consumer complaint received 2023-06-28
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. (GA)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Consumer complaint received 2023-10-26
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-03-26
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. (IL)

After numerous requests, XXXX XXXX XXXX, XXXX, IL XXXX Should be the only address on my credit profile. Delete all other addresses IMMEDIATELY.
Consumer complaint received 2023-11-02
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 (FL)

capitol one card opened in my name caught on a XXXX XXXX alrt called capitol one and started complaint also got sheriffs report number XXXX with XXXX XXXXXXXX XXXX  XXXX since has bee deacitvated had XXXX on it address was also a fraud deal per sheriffs office also a XXXX XXXX was tried to be opened but did not go through since have froze all credit reports
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We pay our mortgage company, PennyMac, every month early. For the past several months, instead of posting the payments, they put the payment in suspense. They they call and treat us like dead beats that dont pay. When we tell them they have our money, they ask if we want them to apply it to our mortgage, after they slap us with a big late fee. This seems like a revenue building fraudulent system. This practice is improper because they know there is NOTHING we can do about it unless we are willing to pay closing fees and go through the whole refinancing process which is awful. 

Our builder gave us incentives to finance with PennyMac. Because of this, all of our neighbors have PennyMac. By comparing notes, I know that these practices are VERY common. It is systematic and wrong.