davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (MO)

15 USC 1681a2 I did not give written or verbal permission to have these accounts furnished on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to the company to have the report updated and no change was made I disputed it with XXXX to verify the balance and they reported the balance as verified. I have a letter from the company dated XX/XX/2022 that the account is paid in full. XXXX did not conduct a proper verification.
Consumer complaint received 2023-06-09
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-20
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. (CA)

The consumer reporting agencies violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 2024-04-08
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. (MD)

I have unauthorized inquiries and accounts reporting to my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Work history Incorrect XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (MO)

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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (IL)

I am filing this complaint to NATIONSTAR/MR COOPER for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.
Consumer complaint received 2023-06-22
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: American First Finance, Inc. (FL)

I am composing this letter regarding the account number XXXX that your company is presently reporting to XXXX under my name. The account is flagged with a derogatory rating, which greatly concerns me. I am deeply worried about the impact this negative rating may have on my credit standing, especially considering that I was recently denied a loan and my existing credit accounts have experienced an increase in interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and I anticipate it will continue to inflict both financial and emotional hardship until a resolution is reached.
Consumer complaint received 2022-11-08
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. (NY)

am a natural person. i am a living human being, i have rights under 15 usc 1681 XXXX transunion, XXXX is govern by 15 usc 1681 and they violated my right numerous of times. i demand the accounts listed below be remove because accoording to 15 usc 1681 : i have the right to privacy and i did not give any of these financial institutions written permission to furnish these accounts you also violated 15 U.S. Code 1681n - Civil liability for willful noncompliance sent your companies a copy of my ftc report, YOU NEED TO TRAIN YOUR REPRESETATIVES BETTER HOW IS IT 6 REP SAYS THEY GOT IT AND YOUR SUPERVISORS SAY THEY CAANT SEE IT
Consumer complaint received 2023-06-22
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: DISCOVER BANK (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-11
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. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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
Consumer complaint received 2023-07-11
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)

XXXX, Transunion, and XXXX XXXX XXXX XXXXXXXX XXXX  has violated my consumer rights by reporting a bankruptcy illegally on my consumer report. I did not directly or indirectly give neither XXXX XXXX or XXXX or Transunion permission or consent to furnish my information. According to 15 usc 1681 ( A ) ( E ), 15 usc 1681C ( A ). They are violating and breaking legislative law thats put in place to protect me, the consumer rights. The XXXX  bankruptcy court in XXXX notified me that they do not furnish personal information to any CRAS. This is my first complaint.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

I am writing to file a formal complaint with the Consumer Protection Agency regarding a denied chargeback from Chase Bank. The incident in question occurred on XX/XX/2023, with a transaction involving XXXX with a posting date of the same day, and an amount of {$150.00}. 
The issue arose when the company XXXX XXXX  failed to provide the expected car rental service, leaving me stranded without a vehicle. To cope with the situation, I had to resort to renting a car from another company, incurring additional transportation expenses to reach an alternative rental agency. 
Upon contacting Chase Bank to correct the incorrectly denied chargeback for the transaction, the representative was unhelpful and, instead of addressing the issue adequately, offered a mere {$100.00} credit. This resolution is inadequate given the circumstances, as it neither covers the full expense incurred nor addresses the inconvenience and distress caused by XXXX XXXX  failure to fulfill their service.
Consumer complaint received 2023-11-07
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

I am going through identity theft I believe it has been going on for over XXXX years now I have been trying to address Chime, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all of these platforms have been being used to transfer money in and out of my accounts. Someone has taken over my identity has been using my Social Security number has taken over my XXXX accounts, XXXX accounts, XXXX accounts, my phone accounts by XXXX, XXXX and XXXX and XXXXXXXX XXXX XXXX XXXX  I was involved in the XXXX XXXX breach, the XXXX XXXX breach and the XXXX XXXX breach. I have also experienced tax fraud and unemployment fraud. I need a lawyer I need help these companies are not do anything to help me. I dont know if my calls are being redirected or what please help.
Consumer complaint received 2024-01-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (AL)

Loan Cares website does not allow the customer to upload documents nor does it give any confirmation ticket numbers to the customer email to confirm documents have been submitted to the website. Loan Care does not provide an email to send documents to them even when I advised them that the documents will not upload to the Loan Care website. 

I have attempted to upload documents for a tax problem I am having, but either I get error messages or I never get any confirmation with a ticket number sent to my email that the documents have been submitted to the Loan Care website. 

I uploaded documents on XXXX XXXX XXXX XXXX XXXXXX/XX/2024 and XXXX XX/XX/2024 and I do not have email confirmation of the document uploads nor does the website produce a confirmation number if you manage to submit the documents. 

The customer is unable to access any history of document submission on the Loan Care website so there is no record at all of the documents that have been submitted to Loan Care or any communication about the problems the customer has with their mortgage loan.

In addition, if you manage SOMEHOW to submit documents to the Loan Care website, you can only send one communication per day. That means if you have a tax and an insurance issue, you have to upload the documents to the Loan Care website you have to spend two days doing it and you do not get any email confirmation they have it.

This makes it impossible to communicate with Loan Care to fix critical problems with my loan. This has caused an incorrect {$600.00} increase in my monthly mortgage payment that I do not owe due to Loan Cares error and this problem has been going on now for over two months and

Loan Care has not fixed it. I have a screen shot of the docum
ents I attempted to upload to Loan Care before I pressed the " submit '' button, but I have no ticket numbers for the three submissions I made on the Loan Care website.

Not having any record about the problems I report to Loan Care or upload to the Loan Care website is now a violation of Deceptive Trade Practices Act ( DTPA ). Not fixing the incorrect loan balance and monthly mortgage payment on all three of my credit reports is a violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-12-19
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)

I would appreciate it if you could examine the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are reporting me inaccurately.
Consumer complaint received 2023-06-22
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

i've been out of work since XX/XX/XXXX due to laid off from XXXX i've had it 3xs and been struggling with health issues. i've been trying my best as a single mom of XXXX and trying to keep up with my bills but its been so hard for me i don't want to lose my home its all i have for little family i've been doing part time jobs and they dont last long or do i make enough im behind all my bills about to also lose my only vehicle i take my children to school and doctors when needed. i see my medical provider for my XXXX when its really high he puts me on medication to help me control it. my last job only was 5 months and now im laid off since XX/XX/XXXX im scared to lose everything when ive tired every single day to keep on going and look for work please help me i need really bad debt no matter how sick i fill every morning from stressing myself in pushing not to give up i push my self to try to have a better day. ive gone to community in action 2xs for help and all they tell me is that they dont have funds at the moment for me to try other agencies. so far im crossing my fingers and praying someone can help me i appreciate the time given. 
thank you and god bless you all XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX Balance : {$760.00} XX/XX/1986 XXXX, XXXX, XXXX XXXX XXXX  XXXX Balance XXXX {$4500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (SC)

Early Warning Service. has fraudulent obtain my nonpublic personal banking information without my consent. I didn't not give any bank or financial institution my consent to give any of my banking information to any non affiliate or 3rd party affiliate. There is no reason for Early Warning to have my banking information and i have never done any business with them.
Consumer complaint received 2024-04-12
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXXXXXX opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

On XX/XX/2020 US Bank sent me a letter letting me know that they have elected to close my personal credit card and my business credit card. The only other information provided was the name and phone number of someone who worked there for more information. 

I called that number, and I was told that MONTHS AFTER i voluntarily chose to close my personal checking account, they chose to do a review, and because of that review, they have chosen to close my credit card accounts. I asked why they needed to close my credit card accounts, especially since there is nothing wrong or illegal in me closing my personal checking account. The individual who i talked with over the phone from US BANK said that that is all the information they are given, and if I wanted more information, I would need to mail the Office of the President, so I did. 

When i received a response from The Office of the President, a few weeks later, they reiterated the same information that I already knew. They said that they can't share what the review findings were, but that they are in their right to close any accounts they see fit because it is in my card member agreement for my credit cards. 

I have never been late, delinquent, or have missed payments. I still don't know why my accounts were closed, and it is frustrating to try and get an answer from US BANK. After this occured, a few weeks later I applied for a Business Credit Card, and was denied. Part of the reason was the following : " Credit obligations with us have been delinquent ''. I have never had any delinquencies with them, and US BANK has chosen NOT TO TELL ME what has made me delinquent. 

This behavior by US BANK is unfair, and inappropriate. I get the feeling that because i chose to close my personal checking account months ago, they retaliated by closing my credit cards, and making sure i never receive any of their products again.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX Experian XXXX XXXX XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!
Consumer complaint received 2023-06-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MI)

In XXXX I signed what I thought was Refinance paperwork, which ended up being a Modification. When I sold my House in XXXX XXXX HUD took {$31000.00}, now I was told that if I sold the Property I would owe {$5400.00}. HUD said I missed 25 payments on my House. I have never missed 25 payments, who can live somewhere for two years for free. I need someone to explain to me how this happened and who can help me. Thank you XXXX XXXX
Consumer complaint received 2023-07-11
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: 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 U.S.C 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 XXXXXXXX. 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 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 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.