davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number: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 2018-09-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (VA)

AD ASTRA Recovery Services refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. AD ASTRA sent me a letter showing a signature that is not mine. I also filed a compliant before and AD ASTRA advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if AD ASTRA fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX is still reflecting negative remarks on my credit report with all XXXX credit bureurs when I was covered under the XXXX outbreak. No one has responded to any of my letters and now I am being forced to result to CFPB. 

According to 15 U.S Codes : 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

I had closed my account ( Barlcay XXXX  ) some months ago. I set up autopayments for I think the XXXX  of the month. The payments were done on a regular basis until XXXX, XXXX. They were stopped. I did not find out until I was informed by email that I was behind. I have tried on multiple occasions to find out. I have tried to sign into my account which I could do until XXXX, XXXX. I am now told that the payment plan only runs for 12 months. I was told recently that when I closed the account I could sign in for only 6 months. I was never told this. I am one payment behind. Two payments are due tomorrow. I have not seen what is happening on the account since XXXX, XXXX. I have made multiple attempts to sign in or working with customer service to find out what is happening with my account. I was told that I would receive a statement via mail last week. I have not received it. I was told today if I do not make at least one month 's payment tomorrow that the account will be in default. The woman 's ID is XXXX. I told her that I will make a payment for one month tomorrow. I was told that the account will not enter default if I do. XXXX Bank has been very deceptive.
Consumer complaint received 2023-08-27
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. (TX)

These Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were done fraudulently without authorization and consent. Please Remove Immediately.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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. (TX)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (GA)

A department at Cross Country Mortgage LLC has erroneously received XXXX of my XXXX XXXX XXXXXXXX electronic mortgage payments from XXXX and XX/XX/XXXX that were intended for the mortgage payment department. I was informed by the Cross Country Mortgage payment team on XXXX XXXX XXXX that my XXXX payment had not been received and subsequently had to repay the XXXX payment again. My XXXX payment that was prescheduled could not be canceled as it was in process on XXXX Payments and Invoicing feature, and subsequently also went to the XXXX address as I sorted out where my initial XXXX payment was. XXXX  confirmed that my Payments and Invoicing bill pay for XX/XX/XXXX and XX/XX/XXXX mortgage payments were sent to XXXX XXXX XXXX, XXXX, OH XXXX, which is a Cross Country Mortgage Address, but I have now learned are not the mortgage department that was intended to receive the payment nor have they transferred my funds. I contacted Cross Country Mortgage on XX/XX/XXXX talked to Customer Service, and again on XX/XX/XXXX only via their email-only contact with the Research Dispute team to request locating my funds and dispute that I had missed a XXXX payment. I made Cross Country Mortgage aware that {$7200.00} had been sent from XXXX and processed by the third-party, XXXX, with the information they incorrectly provided XXXX and that they owed me a refund. 

I also disputed the payment with XXXX to no avail and they declined my XXXX disputes on XX/XX/XXXX. I then submitted yet another claim to Cross Country Mortgage on XX/XX/XXXX and have been told I can't get a response until XX/XX/XXXX. Unfortunately, it has been brought to my knowledge that Cross Country Mortgage is transferring my loan to a new servicer and the transfer will be complete on XX/XX/XXXX, so I fear I will have to start the entire dispute process all over again, which I would very much like to avoid. 

XXXX XXXX  XXXX has provided me with reference IDs for the XXXX and XXXX payments that I have already provided to Cross Country Mortgage. The electronic payments were submitted as XXXX. 

XXXX reference id : XXXX XXXX reference id : XXXX XXXX confirmed the address for the electronic payments was sent to XXXX XXXX XXXX, XXXX, OH XXXX, which is a Cross Country address/property and it was also listed on XXXX as Cross Country Mortgage LLC . My mortgaged funds were received by a Cross Country Mortgage XXXX XXXX XXXX account number ending in - XXXX and routing number XXXX. 

I have been trying to get these funds returned since XXXX and would like this matter resolved.
Consumer complaint received 2023-05-10
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-05-10
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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. (TN)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10
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. (SC)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (OH)

Family hit a hardship due to long term covid. After loosing my job of over XXXX years due to my illness I was financially and emotionally bankrupt and my marriage was destroyed. Due to both loss of income of my job and spouses income I was unable to maintain my mortgage payment. 

I feel like this financial institution is taking advantage of my hardship and inability to pay my mortgage, by offering me a 40 year mortgage and doubling my current interest rate. 

I do have the help of family and am in a better place to resume my mortgage payment but i can not afford an increase of any kind at this moment. 

Again I am willing to resume mortgage payments with the help of family but taking my mortgage from 24 years to 40 years, doubling my current interest rate and raising my mortgage payment just isn't possible!
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I saw my account was XXXX cents today. 
I called and asked why I was told it was for paper statements that I never opted in to or received ( I always received e-statements ). 
They said this was changed on XX/XX/XXXX but wouldn't tell me how or why Bank refused to refund the XXXX after I showed them I NEVER got paper statements before. I want the XXXX fee refunded and any additional fees this will cause to be refunded. 

You changed my statement delivery without permission
Consumer complaint received 2023-04-10
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. (MD)

This is my 2nd 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 items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$750.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-11
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. (NE)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2018 Balance {$0.00}
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank XXXX lockout XX/XX/XXXX, XXXX attempted to add contact to XXXX service online and by mobile. Account was locked. 
XXXX - call customer service. Citizens was unable to send a text to the phone that is linked to my account and that I was calling them from. 
XXXX - was able to unlock account after calling back to speak to two different people. Added contact by spending time on the phone with customer service who issued an exception to the lock. 
XXXX - attempting to send {$150.00} to the new contact locked account again XXXX - call back to customer service wait times were long and requested a call back XXXX - customer service calls me, the office to unlock accounts is now closed there is nothing that can be done tonight. 

I've been a customer of this bank for 20 years and feel this deplorable customer service.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (TN)

I am writing to dispute late payments reported on my credit report by Republic Finance account number XXXX. According to my records, my account with Republic Finance was transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XX/XX/year>. As such, Republic Finance no longer owns the debt and should not be reporting late payments on my credit report. 

Before Republic Finance transferred this debt, I made my monthly payments via the mobile app. If I was one day late making a payment representative from Republic Finance would harass me my calling me numerous times throughout the day and sometimes back-to-back causing me extreme stress and XXXX. Not being able to sleep at night. Now they are reporting to all three-credit bureau that I am late, but they no longer own the debt. 

I respectfully request that Republic Finance correct this error and remove the late payments from my credit report. Please provide confirmation once this correction has been made. 

Thank you for your attention to this matter. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Reference XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I requested the company of XXXX XXXX  to validate that this account had been paid late on XX/XX/2023. Account number ending in XXXX. I also requested written proof from myself that this company had the right to report late payments to my credit.
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO. (VA)

I received a rejection letter from Ford Credit. The purchase/lease attempt was rejected by XXXX. I did not initiate the application for credit/purchase/lease. Someone else attempted to gain credit using my name and address. Thankfully, having my credit accounts frozen has saved me from theft. I am reporting this to assist in stopping the thief.